davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Website offered credit reporting services for Credit Report. Requesting my Credit Card information for verification purposes but didn't state i would be charged or how much. After signing up i then received an email receipt for a charge for {$27.00} which I did not authorize. They allowed me to cancel the membership but there is no refund for the unauthorized charge.
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

I went to one of the Western Union location on XXXX XXXX in XXXX, NY for wire transfer money to my family overseas. I personally counted 3 times before the arrival of the location. I was also the only one who touched the money before gave it to the owner of that business. I handed the exact {$20000.00} in cash to the owner who runs this business. He took my money and secretly counted it by doing it in a blind spot of all cameras and didn't let me looking at it. He then put the cash into a cash counting machine after and told me that I only gave him {$15000.00}. That's {$4400.00} missing. I confronted him and wanted him to see if there is any miscount, but he insisted that this was the exact amount and denied that he stole my money. I called police then police checked the camera and told me that they couldn't really tell because the camera didn't catch anything due to he was hand counting it in a blind spot before put it into the cash counting machine.
Consumer complaint received 2020-08-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (CA)

On XX/XX/2019 I went to TitleMax to get a loan on my vehicle I was told that the loan would not be a high interest loan I had questions due to the fact that I have been reading that they got in trouble I didnt know what they got in trouble for I was lied to and miss lead they said the reason why they got in trouble with due to a DMV issue but come to find out later it was because of high interest rate I am being charge XXXX a month But only {$75.00} is size off of the XXXX they post to have gave me they gave me XXXX they made me pay for my registration out of the money that they loaned me and also the smog certificate says that I have been lied to by XXXX XXXX and shes been telling me that theyre going to work with me but they will not give me nothing in writing I keep telling her that when I first made my first payment it was XXXX for the XXXX to come off of the {$5000.00} but only {$75.00} is charged off of the XXXX they post ahead gave me they gave me XXXX they made me pay for my registration out of the money that they loaned me and also the smog certificate says that I have been lied to by XXXX XXXX and shes been telling me that theyre going to work with me but they will not give me nothing in writing I keep telling her that when I first made my first payment it will pull the van for the XXXX to come off of the {$5000.00} But instead {$75.00} came off of {$5000.00} and XXXX something dollars thats ridiculous they never told me why they just told me that the way it is now I am trying to keep my vehicle and pay them which Ive been doing can you help me can you please talk to them to get them to lower the interest rate I have been making my payments constantly if Im behind is because of the way they lied to me and Miss reputation himself when we did the long
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Upon purchasing vehicle at Dealership, XXXX XXXX XXXX financing company ; XXXX XXXX XXXX, Date : XX/XX/2022 Amount of collection ; {$1100.00} XXXX XXXX XXXX did not provide tags for vehicle that was included in deposit amount. 
XXXX XXXX XXXX did provide products services to vehicle promised in agreement bringing vehicle purchased to depreciated amount as the damages at purchase depreciates the amount of the vehicle amount. I have contacted company to resolve this matter with written statements, requests, and images of product to verify concerns. 

XXXX XXXX XXXX, transferred loan to Westlake Portfolio Management as of ; XX/XX/2022 Westlake Portfolio Management is harassing me to pay debt amount of ; {$1500.00} This consumer has furnished an account without my written instructions. 

In accordance, with the fair reporting act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
Westlake Portfortlio Management account # XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Services Collections, Inc (TX)

I have come to know that this company is really, really under handed and doesn't follow fair practices. 
For the same incident, they reported to the credit bureau several times.

Now my credit score went down from XXXX to XXXX. 
When I told them I don't have all the details and need the same, they threatened that my credit score would be XXXX  up. They talk carelessly and as though they know that they have their hands around my throat. They are nonchalant and feels like you are talking to superior people and we have to beg. 
Additionally, I still have not received paper work that was promised to me. 
THEY NEED TO WITHDRAW THE REPORTS FROM CREDIT BUREAU, UNTIL THIS ISSUE CAN BE RESOLVED IN A FAIR MANNER. 
Please take disciplinary action on this company, Account Services, USA.. so that they develop some sense of justice and playing fair. 
They keep calling at all hours of the day with different phone numbers and are rowdy in their talk.
Consumer complaint received 2022-11-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-08-07
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: CAINE & WEINER COMPANY, INC. (LA)

I have a loan with XXXX  ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account.
Consumer complaint received 2020-08-07
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: Bread Financial Holdings, Inc. (GA)

I have a loan with CB/WAYFAIR, XXXX/XXXX and XXXX XXXX.  I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX CB/WAYFAIR,   XXXX/XXXX and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
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: AMERICAN EXPRESS COMPANY (NJ)

I have a loan with AMEX and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and AMEX and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX In XX/XX/2020 XXXX offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for XXXX, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed immediately.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

On XXXX, XXXX, 2022 I received a letter from Nelnet concerning student loan XXXX. I have been in an income driven repayment plan with Nelnet for years. When asked to recertify on this loan, I was declined. Several reasons were given, several are which not true. Nelnet has stated that I defaulted in this loan. This is not true. My payments have consistently been on time. I have always been able to have a payment based on my income. Now they are refusing to provide assistance concerning this particular loan number.
Consumer complaint received 2023-01-05
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. (WA)

XXXX acct # XXXX Balance : {$10000.00} XXXX XXXX acct # : XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX Balance : {$8200.00} 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. 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 a 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 2020-08-07
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. (AZ)

XXXX In XX/XX/2020 XXXX offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for XXXX, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed immediately.
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

After communication and attempts Saks Credit Card, Capital One, continues to be deceitful in fees and interest on account along with settlement offer to delete account.

Every month for over a year the account has been accessed incorrect late fees! Due to this frustration there has been conversation of settlement but the company reversed course at the last minute only to continue accessing erroneous late charges and interest, which in turn causes balance to continue to increase even after payments of more than minimum are made on account. Saks ( Capital One ) uses unethical and deceptive practices on account
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/2020 I ordered a 16x12 gazebo from Wayfair. I paid for the gazebo with my Visa debit card In the amount of {$3700.00} and {$550.00} on a Wayfair credit card which only had a {$600.00} limit. Roughly two days after placing the order, it was cancelled by Wayfair because the item was no longer in stock. I in return ordered the smaller gazebo 12x12. My Visa  debit card was credited {$980.00}. A few days later my Visa  debit card was changed again {$2900.00}. I was informed by a supervisor that instead of Wayfair refunding my Visa card for the original 16x12 gazebo I ordered, the refund/credit was given to the Wayfair credit card that only had a {$600.00} credit limit. She apologized and said I needed to contact Comenity Bank. I have spoken with Comenity Bank who also confirmed that Wayfair credited my Wayfair credit card {$550.00} six times. I was told by ( Supervisor ) XXXX XXXX and someone from Comenity Bank that I would receive a refund in 3-5 days. We were on a three way call that I had to give authorization that it was ok to do. I waited over a week and no refund. I spoke with several other Supervisors who assured me that after the finance team reviewed it that I would receive my refund. I also spoke with ( Supervisor ) XXXX XXXX on XX/XX/2020, who also said and sent me a detail email on how I would receive my refund. After no refund and multiple attempts I called again on XX/XX/XXXX and was told by another Supervisor that I needed to file a dispute with Comenity Bank because in her experience there was nothing that they ( Wayfair ) can do once the credit has been sent to Comenity Bank. She said that she would follow up with me once the finance team reviews it and as of today XX/XX/XXXX, I have not received a email or call. I have also filed a dispute with my bank which is XXXX XXXX. This was done on XX/XX/XXXX by phone. I also over a week later have not heard anything back from XXXX XXXX.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WV)

How long does it take Wells Fargo, to actually compensate us? We have proven complaint after complaint, along with all the documentation along with the complaints? They keep telling us they have been sent to another division of Wells Fargos criminal enterprise, that decides how much to compensate us. XXXX  years of defrauding and theft all we asked for is XXXX XXXX! They avoided prosecution, if they just compensate consumers like us! 
How long does it take for Wels Fargo to actually accept their illegal wrongdoings and again compensate us for 20 years of theft and fraudulent actions and activities?
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

On or about XX/XX/XXXX i became a victim of identity theft. My credit reports had multiple entries for credit that i didn't make. Several of which were for Bankruptcies that im not responsible for. On or about XX/XX/XXXX i filed a police report for identity theft and a complaint with the federal trade commission. There after, i forwarded copies of my FTC Affidavit to all 3 credit reporting agencies XXXX, XXXX  and XXXX. XXXX  is still holding this fraudulent bankruptcy on my credit report. On or about XX/XX/XXXX i applied for credit with XXXX XXXX XXXX XXXX an i was denied because of the bankruptcy being held on my XXXX  report.
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I sent an ACH transfer for XXXX $ from Bank of America to XXXX XXXX for closing costs of an escrow payment. XXXX XXXX says they do not accept ACH transfers, only wire transfers and state that the funds were rejected and returned. Bank on America was contacted on XX/XX/2020 and stated that funds would be returned in 3-5 business days, as long as they were rejected by XXXX XXXX. After waiting 3-5 business days, the funds were not returned and Bank of America opened a claim. XXXX XXXX was contacted and never returned our calls nor when Bank or America reached out to them. We contacted our escrow officer who states that XXXX XXXX has trace numbers showing the ACH transfer was rejected. Bank of America says they don't see any proof that the funds were rejected or returned. After 45 days, Bank of America says the claim is closed and they are no longer able to help us and that we should contact a lawyer. XXXX XXXX says " they verified with FIS back in late XXXX that the return was processed and sent to the FED on XX/XX/2020 which is when the trace number was issued and if Bank of America is claiming they have not received the credit, they will have to reach out to the FED and ask for assistance '' " Our central ops representative also replied on XX/XX/2020 to a fax sent by XXXX XXXX from BofA ACH recall/acceptions regarding this return and have not heard back from them. In my response we provided XXXX with the timeline of the transaction and the trace number. '' We called BofA claims department on XX/XX/2020 with this information and they state they have not received any information at all from XXXX XXXX and they do not know who XXXX XXXX is or where the information was sent.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (GA)

I have been unable to access the portal to transfer money out of my account for 20+ days. I have emailed and called many times, and they just keep saying the fraud department is " looking into it ''. This is too long to have my money being held up. I have asked to speak with managers and supervisors, and nobody can do anything. They just transfer me around and blame it on other people within the company. They are threatening to charge me {$50.00} to close my account at this point when I don't even have access to my funds unless I close it. The only fraud that is going on is with BMO Harris Bank!