davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Yes I'm making this statement due to the fact that I don't know how I ended up in check system and getting a negative consumer report under my name when XXXX XXXX  account is supposed to be that were opened in loans that were opened in my name were done fraudulently because during that time I was in jail so I was unable to do anything and I had documentation to prove that I was in jail during that time period so is there any possible way to fight this or take This negative consumer report about me off check system completely so I could be able to open up a bank account in my name because so far I can't even do that is there any way I can get help with that.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

Regarding Santander consumer finance 24 state AG Settlement. 
Santander states my account was overlooked to be included in settlement. 

Account meets all requirements to be included in settlement. 
1. Loan was acquired during time frame ( XX/XX/XXXX ) 2. Loan was charged off within 12 months 3. Defaulted on loan and car was NOT repossessed. 

Information with Santander as follows : Account number : XXXX Name on account : XXXX XXXX Vehicle : XXXX XXXX XXXX Separate complaint will also be filed against Santander consumer for changing interest rate on finance agreement without my knowledge or consent.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

On XXXX I applied for a retail store credit through a company called XXXX. My application was delayed as I have a Identity theft alert on my reports. That application was denied as they stated that I failed to provide the required information to process the application. i called the company and while I was on the phone they stated that the problem could be resolved after they verified my identity by calling me on the phone number noted by the alert. The phone number on the alert was XXXX, the credit was declined due to the failed verification. On XXXX I contacted Experian and asked why this error existed as in recent years and months, I had changed the phone number to XXXX. The Experian agent confirmed the new number and also stated that their system somehow possessed the old and the new phone number, but had disseminated the old number, and not the new. I was then instructed to speak with Experian 's fraud department as they would be able to change the inquires which were impacted by the incorrect reporting for four years. I was forwarded to a fraud specialist named " XXXX '' and she began to berate and insult me after she was presented with my issue. She stated " I know that you are lying because that no one really sent you to me. '' After a few minutes, I requested to speak to another fraud specialist, and she refused. I then terminated the phone called after i felt being insulted and " XXXX '' was refusing to send me to another specialist. Later, on XXXX I called back to Experian and was forwarded to another specialist. This time the fraud individual provided me information that the last time I contacted Experian was in XXXX. This information is false as each year since XXXX i check on my credit through the Experian credit monitor service where I pay to have access to my credit. Then, I altered the phone number as I moved from XXXX to XXXX in XXXX. I again informed the fraud specialist that the Experian agent confirmed and conceded that there system possessed both the current and the old verification phone number and published the wrong information. He then stated that Experian had no legal obligation to publish the correct information or change information that is incorrect. At that time, I again terminated the phone call from the fraud specialist as his comments were not only illegal but may have been a statutory violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-27
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. (NY)

In accordance with the Fair Credit Report act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2021-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I complained with Consumer financial Protection Bureau, CFPB COMPLAINT # XXXX. Copy of the complaint together with my fair resolution and Experian 's response is attached. I have also attached attachments for this referenced complaint. Experian claims XXXX XXXX needs my permission by stating " The company needs authorization from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' WHAT DOES THIS MEAN OR IS THIS MORE XXXX XXXX  GAMES? XXXXXXXX XXXX always labels ALL my complaints as a duplicate complaint without ever responding to just one complaint. Now XXXX XXXX claims they need my permission to proceed when I have been requesting an investigation for 4 years.
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (GA)

On XX/XX/2021, I applied for a {$40000.00} to consolidate credit card debt that was mostly incurred due to a job loss from a 23 year employer. I used XXXX XXXX and the approval rating was 90 % that the loan would be approved. I provided all information they requested and was turned down for credit card debt. First, I was paying off the credit card debt and secondly, this debt was available to them when I initially went through the prequalifying process. I have no delinquent credit on my credit report, I have a decent credit score and only one inquiry from last XXXX. There is no reason that this loan should not have been approved. However, it was and now there is an additional inquiry on my bureau that would not have been there had I not been led to believe the loan would be approved. I did respond to the company and explain this with no response. I am complaining about their marketing tactics.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I filed a complaint XXXX with CFPB. XXXX XXXX called on XX/XX/2021 at XXXX and left a message for me to call him. I returned Mr. XXXX call on XX/XX/2021 at XXXX XXXX XXXX am and again at XXXXXXXX XXXX Arizona time and left a message all three times recording the last two. I never received a call back. I tried again on XX/XX/2021 at XXXXXXXX XXXX Arizona time and left another message recording this as well. I received a strange call back from Mr. XXXX on XX/XX/2021 at XXXX XXXX Arizona time. Mr. XXXX asked if this was a XXXX XXXX. I replied that I am XXXX XXXX and expected his call. Mr. XXXX replied he must have the wrong number and hung up. 
On XXXX XXXX I received a letter stating Bank of America had received my complaint and I had until XX/XX/2021 ( two days prior to receiving the letter ) to contact Mr. XXXX. I believe this is an attempt to discredit my original complaint so I am filing another.I do not believe Bank of America has nor will take this complaint seriously and ask for other remedies from the CFPB. 
Thank you, XXXX XXXX
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

I have received an email from a settlement attorney on behalf of Ace Express which works with XXXX XXXX. They have stated that if I dont pay the settlement fee of {$450.00} in 20 hours they will file a case against me and I can also receive jail time, which I know is false because they can not criminally charge me of anything. I have looked at several complaints where people have received the same email that I did and I want this resolved now.
Consumer complaint received 2021-02-16
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: National Credit Adjusters, LLC (CA)

On XXXX XXXX, 2020, National Credit Adjusters add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA National Credit Adjusters has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I'm very concerned how Capital One has hurt my credit so badly by being so quick on closing my accounts while me reaching out to them on 2017 for resolutions. Fast-forwarding, I visited one of their branches less than 4 months ago, and nobody was able to help, other than an employee at the branch phoned customer services so I could chat, and the lady was nasty over the phone, so I left. Then a few weeks ago I called again & always hitting a wall. 

My point, if a consumer has calls & calls & visits in person, in search of resolutions & I get the accounts closed because they weren't willing to help now I'm suffering the consequences with credit scores.
Consumer complaint received 2021-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company to provide me with a letter detailing how they verified this bankruptcy belong to me. By law credit bureaus have 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NY)

Hello my name is XXXX XXXX. Im having problems with a credit card company named Continental Finance.I have been making timely payments online. They send me a email stating that payment has posted to my account. Then a week later they send me another email stating that they have not received a payment. I have seven other cards and I dont have this problem with any of them. I believe they are running a scam because when I contact them they tell me that should call in the payment so they can charge me XXXXservice fee.I want them to change the false information they sent to my credit report.
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC (FL)

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and Florida Attorney General 's Office.

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX Florida State of Finance
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been disputing accounts with the bureaus and have received no updates. Not once did I get any letters or were there any updates made to my credit file. There are serious inaccurate items that need to be removed. I have attached the latest letters sent but there have been more.
Consumer complaint received 2021-02-16
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. (NV)

I reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never late.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Since XX/XX/XXXX Wednesday Capital one suddenly blocked my access to my checking and savings accounts. It's now Saturday XX/XX/XXXX... For XXXX days in a row I've been calling and calling the bank because NO ONE will talk to me or return my calls, they keep sending me to a voicemail. Yesterday I finally was able to get to a live person named " XXXX '' who said they don't know what's going on and sent me BACK to the voicemail. Today I've left my XXXX voicemail! Capital one has NOT sent me anything by email, or mail or text or phone call, just nothing stating anything is going on with my account or why or anything! They won't even talk to me! What is going on?!! I'm a single parent with XXXX kids and school starts Monday! I have no way to access my money and they won't even have the decency to talk to me to tell what is going on!!! They are holding my {$1400.00} in the savings and checking accounts hostage! How is this legal!?????? The fact that I keep being sent to A voicemail is unbelievable! Please help me get this corrected because now I'm going to miss paying my bills and create horrible hardships in my life. Please please I'm begging for someone to help me!
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (NV)

In XX/XX/XXXX, several charges came across on my statement that were fraudulent. I reported this to the credit card company in XX/XX/XXXX, yet they failed to investigate one of the charges for {$220.00} made on XX/XX/XXXX, even though I had reported it to them as fraud in XX/XX/XXXX. This would have left a credit balance on the account for the months of XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX as well as XXXX and XX/XX/XXXX. In XX/XX/XXXX, I reported it yet again and they finally adjusted it off my card. However, the credit card company reported me 30 days late in XX/XX/XXXX even though I had no balance due because of the {$220.00} fraudulent charge. This is a violation of the FCRA reporting rules and as such, this has damaged my credit unnecessarily. I am asking the 30 day late report in XX/XX/XXXX be corrected and any and all late fees, interest and other unnecessary fees be removed and refunded to me.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

XX/XX/2022 my personal credit reports were accessed without my consent and while my credit reports were in frozen status. Someone was able to apply for credit under my name and SSN. I didn't give verbal or written consent. I called each financial institution and advised them that I XXXX XXXX didn't give permission to run my credit. According to my credit report, it is only showing inquiries currently.
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NV)

XXXX XXXX XXXX was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, XXXX XXXX XXXX has not rebutted the affidavit nor have XXXX XXXX XXXX sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with XXXX XXXX prior to seeking default judgement, pursuant to Rule 55. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of XXXX XXXX XXXX violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid 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 (WA)

Hello, XX/XX/XXXX capital one added charges back to my account around XXXX USD that I wanted to contest. 

They are now telling me I marked them as fraud ( I did not ) and they are not willing to contest them. 

They say, and they actually quote me on a call as saying fraud, which I distinctly remember NOT saying because I've had this issue before. Yet they will not send me the call. 

All I want is for them to contest the charges. They are not helping me. My next step is small claims. 

Thank you