davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC. (OK)

Called to discuss a hold put on {$1700.00}. because the check I put in the bank had cleared this morning, then the hold was placed. The lady was rude and had no explanation of why the hold was placed. She hung up on me without any answers.
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent collection agency a letter asking for Verification/validation of account they did not sent proper verification I have enclosed what they sent back. They didnt provide everything I requested account have not been properly verified.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 XXXX, Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX - XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX Account # 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 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (CA)

I PUT XXXX DOWN ON XXXX XXXX XXXX AT XXXX IN XXXX XX/XX/XXXX, DUE TO THE CAR I THOUGHT I WAS GETTING SAID IT COULDNT BE SOLD IT WAS IN ACCIDENT. SO I END UP GETTING THE XXXX XXXX AT XXXX CAME WITH XXXX MILES. SIGNED CONTRACT WITH WESTLAKE FINACIAL SERVICE INTREST RATE IS 18.69. CAR NOTE XXXX FOR 72 MONTHS. REMIND U I PAY CASH FOR MY CARS COULD BOUGHT THIS. BUT I NEEDED TO BUILD MY CREDIT UP. I FEEL I WAS TAKEN ADVANTAGE OF HERE..XXXX XXXXXXXX MY CAR HAD TO GO IN THE SHOP SUNROOF NEVER OPENED DUE TO ELECTRICAL PROBLEM SHORTAGE, AND FUEL PUMP NEEDED FIX DUE TO I COULDNT SEE HOW MUCH GAS I HAD. WELL 4 MONTHS LATER PICKED THE CAR UP FROM THE SHOP. CALLED WESTLAKE ALSO TOLD THEM THIS IS UNFAIR PAYING FOR CAR I DONT HAVE IT HAS ELECTRICAL PROBLEMS. WHILE IT WAS IN THE SHOP XXXX BARELY CALLED, STAYED IN CONTACT. IT WAS ALSO SERVICED AT XXXX XXXX IN XXXX AT THE TIME. I CALLED WESTLAKE ASKED THEM CAN THE CHANGE MY PAY DATE THEY SAID NO BY LAW I CHANGED IT TWICE, CANT BE DONE SO I BEEN CHARGED LATE FEES. BUT IM NOT BEHIND ON MY CAR NOTES. ANYWAYS XX/XX/XXXX, 4 MONTHS LATER WENT TO XXXX TOOK XXXX PICK UP MY CAR I SEEN THE SERVICE LIGHT WAS ON STILL, I WAS TOLD BY MANAGER DRIVE AROUND IT WILL GO OFF. GOT ON FREEWAYS AND THE CAR JUST SHUTTED OFF COMPLETELY, THANK GOD I WAS IN THE SLOW LANE, I COULD CAUSED ACCIDENT. I HAD SOMEONE BRING ME BATTERY. FOR 30 DAYS SERVICE LIGHT ENGINE STAYED ON, THAN FUEL LIGHT FOR THE GAS TO SEE SHUT OFF ONCE AGAIN. CALLED WARRANTY PLACE THAT JUST SPENT XXXX TO GET IT FIX ON MY WARRANTY, HE SAID TAKE IT BACK TO THE SAME PLACE THAT FIXED IT. SO I DID XXXX. XX/XX/XXXX MY CAR HAS STILL BEEN IN THE SHOP. CALLED NEW MANAGER XXXX 3 WEEKS AGO ABOUT THE ISSUE AT XXXX SAID HE WILL GET BACK TO ME AND HASNT YET. I CALLED TODAY ASKED ABOUT MY CAR THE MANAGER XXXX SAID ITS HAVEING ELECTRICAL PROBLEM WITH FUEL PUMP ILL CALL YOU FRIDAY. I EXPLAINED ITS LEMON CAR. THIS IS INSANE NIGHTMARE. HE WAS LIKE ILL HAVE SALES DEPARTMENT CALL YOU. I CALLED WESTLAKE AGAIN MY FINACIAL SERVICE AT XXXX EXPLAIN ONCE AGAIN THEY HAVE PLENTY OF NOTES CAN WE THEY HELP ME HERE ON THIS LEMON CAR. NO THEY CANT NOT WORRIED ONLY FOR THE MONEY WITH THERE OVER CHARGE INTREST RATE AND LATE FEES CHARGES, AND CANT CHANGE MY PAY DATE. I TALK TO SUPERVISORS THERES ALL THAT NO HELP. THIS IS NIGHTMARE MY DREAM CAR IS A DISATER. TALKED TO XXXX TODAY OVER THE PHONE LOOKING FOR MANAGER XXXX HE HASNT GOTTEN BACK WITH ME. HE TOLD ME TO COME IN TOMORROW AND SEE ABOUT ANOTHER CAR. ARE U SERIOUS HERE NEVER AGAIN. I GOT CHARGED TO MUCH AND WESTLAKE FINACIAL IM TOTALLY GOOD. THIS IS UNFAIR AND SAFETY HAZARD CAR ITS CALLED LEMON. WENT TO DMV SUPERVISOR IN XXXX SHE STATED XXXX NEEDED TO DO Z02 ON THE CAR SEND IT TO XXXX. THERES THIRD PARTY ALSO ON THE TITLE. SHE SEEN MY AUTO CONTRACT SAID U GOT OVERLY CHARGED BOTH WAYS HERE MY DEAR. SMH THIS IS UNFAIR THIS CAR HAS PROBLEMS I ONLY DRIVEN IT XXXX MILES SINCE I HAD IT. IT HAS XXXX MILES NOW U BE THE JUDGE THANKS
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I have made serval requests for this already, If you look at the attachment - they are deducting for my home owners insurance to pay*** They have not paid in 5 years, but they are deducting from my account -I have had to pay agent directly - PLEASE HELP! 
Here is what I am requestingESCROW ACCOUNT! - and Escrow account ONLYPlease send me a copy of all " Escrow transactions '' for the last 5 yearsAllPayments ReceivedAll Payments made from my account along withCANCELED CHECKS FOR THE ESCROW REFUNDS YOU SENT ME! 

PLEASE READ CAREFULLY AND PROVIDE THE INFORMATION REQUESTEDCC : CFPB
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, 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. (CA)

I recently updated my banking information with Experian and began to continue my dispute with a property management company and apply my XXXX child to my account, with my devices being hacked I called and was told they could not add my child on their end. My subscription included this feature. I have reason to believe my child 's identity may be used or may have been used. Our social security cards were stolen, and my information has also been given to the dark web along with my child 's. I have explained to Experian that I have paid for a subscription I can not use. I do not want my money back, but I would like the services I paid for.
Consumer complaint received 2022-11-14
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00}
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Allied Credit Consultants (FL)

I received a notice today from a company claiming to be litigation company / attorney service who is filing a claim against me. The company is XXXX bank, however I have not received any notice which gives me 30 days to dispute the account, however the letter stated to call XXXX directly which I did. Upon calling XXXX XXXX was unable to find anything other then where I applied for the account, I verified for him that I was not granted the account and never made a initial deposit which returned and I was told the account was {$60.00} due. XXXX transferred me to XXXX ( blind transfer ) in overdraft collection dept from there XXXX did n't ask me for one thing she told me to go into the bank. XXXX told me there was nothing she could due, and I would not be able to dispute the account I needed to go into the bank. I explained I never went in to apply it was never opened and begged for her to look up my info she refused. I asked for a supervisor and I was denied access to one I do n't owe these people a dime. The company under this ficticious law firm corporation is frivolous, threatening to damage my credit, and prosecute me however if they are acting as a debt collector they have denied me the right to dispute the debt XXXX is not in compliance as well.
Consumer complaint received 2023-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

navient said nothing was their fault..mail is slow ... ... ... .they are cashing the checks sent 2 plus weeks after sent ... .i do not think the mail is that slow every time... .i think they are waiting to hit mw with a bunch of late fees
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (MN)

After paying off the balance on my secured card, they froze my account and said during a " routine review '' I needed submit verification. They requested my driver 's license and bank statement. I have never had a credit card secured or otherwise ask for this information but, I complied. I requested my account to be closed and my security deposit returned. I also had a credit builder CD account. I paid it off and requested pay out on that as well. They currently owe me {$3500.00} A month later all they will say is account still under review. 

There I currently a warning on XXXX  website about this company so, I am part of a much larger group all experiencing the same problem
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo wire transfer claim # XXXX On XX/XX/2023 I was a victim of fraud. After receiving a fraud text alert from Wells Fargo I checked my account and there was indeed debit card fraud on my account. After replying " no '' I didn't authorize the transaction I was immediately called from an XXXX number belonging to Wells Fargo. The person on the phone said he was with Wells Fargo Fraud Department and there were multiple transactions on my account that he wanted me to verify. I was sent a 6 digit verification code to my phone to verify my identity. I was told that my account was being locked due to the amount of fraud happening and to please log into my account via a secure text portal from Wells Fargo which I did. Unknowingly I had just given these criminals my user name and password. They then logged into my account and proceeded to initiate a wire transfer of {$7500.00} to XXXX XXXX. When I realized that I wasn't talking to Wells Fargo and instead the scammers I immediately hung up and directly called WF Fraud dept. and told them what had happened. They issued a swift recall on the wire but were unable to get the money back bc it had already been taken out of the account it was wired into. I later received a letter from Wells Fargo disputing that this transaction was fraud and that I had willingly given them the wire transfer verification code needed to complete the transaction. I never received any texts from Wells Fargo concerning a wire transfer. I have no idea how they were able to complete the transaction or if one of the codes sent to my phone was indeed a wire transfer code which the criminals knew I would be getting bc they were in my account attempting to wire money. I was asked to read back a code for verification of my identity but never would I willingly authorize a wire transfer. 
I have talked to the de-escalation department of Wells Fargo and also filed a complaint against the company but they have continued to deny this as fraudulent. 
This case is 100 % fraud and any information given to these criminals was obtained through fraudulent methods.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2015-08-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the three major credit reporting agencies every month. Midland Funding LLC. should no longer be reporting anything to my credit bureau after XXXX years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.
Consumer complaint received 2023-06-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander and XXXX are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming Santander is retiring the amount prior to auction and XXXX is reporting after auction. Could you please assist?
Consumer complaint received 2023-06-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

On XXXX XXXX I had {$40.00} come off my account t I called chime and filed despite they did Irs it literally less then 24 hrs I asked them to block the merchant. On XX/XX/XXXX I had {$4000.00} come off then 30-40 min later XXXX came off. I emailed and called asking for this merchant to be blocked and when I file dispute on the XXXX my stuff got denied on XXXX at XXXX XXXX. It hasnt even been 24 he invastigation. I dont know why my money missing and no one is doing about nothing.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (GA)

I had purchased the appliances from Best buy using the promotion to pay off the purchase balance by end of promotion however, while setting the monthly payments, it wasnt allowing me to set up the payments using the promotion hence, I had reached the customer service to help me set the autopay and explained them the expectation. 

The customer service did the math and advised me the payment amount that should be made on the monthly basis for the balance to clear by end of the promtion. I agreed and approved her to set it up for the amount she advised and never bothered to worry about anything as the payments were coming out of my bank account on a monthly basis however, unrealizingly the promotion expired in XX/XX/2024 and there was no notification from Citi bank on the e-statement or email advising that the promotion is about to expire and there will be charges on the outstanding balance, which should have not been the case as per my explanation above. 

The Citi bank customer service did the wrong math and put the auto pay for the wrong amount causing the balance to not be paid in time and as a result i have been charged a hefty amount of intereset to be paid for the purchases. I paid of the purchase amount the day i realized this issue and tried explaining the bank what happended and requested to help me get those charges off my account however, they do not want to be accountable for their employee 's mistake instead responded saying that it was a human error and I should have checked my balance on a monthly basis. 

The escalation team mentioned that they heard the recording and acknowldged that their associate did make a mistake but this can not be a reason for them to write off the interest, which does not make sense as I was in a position to make payment for a greater amount than what was advised by the bank employee. 

The account was set up on autopay with trust on bank and as a consumer I trusted the bank and dint bother to verify however, Now i am XXXX  because of their employee 's mistake, which the bank should bare instead of expecting the consumer to bare the loss. 

I have disputed the deffered interest charges and submitted a case but the bank doesnt seem to care as it only cares to make money and RIP people off regardless of the mistake that was occured on their end,
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

XXXX is reporting that I owe a debt to XXXX and XXXX has sent the debt to a company called Jefferson. I have sent XXXX and Jefferson both letters disputing the in accurate information reporting on my credit report. I stated that the information listed is in accurate and does not belong to me and if they can not do a thorough investigation to please have it removed from my credit report. They have yet to follow those guidelines.