davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

I have used XXXX XXXX XXXX  on more than one occasion. However, the present loan seems a bit out of sorts, since I have been paying more than the monthly minimal payment for over a year, but only a fraction of the payments have been applied to the principal. I understand that lobbyists in California, and maybe even Washington D.C., have managed to legalize loansharking by circumventing common usury laws whereby paving the way for predatory lending. However, sometimes laws need to be tempered with a bit of common sense and morality. I understand that XXXX XXXX XXXX has had issues in the past with the CFPB, if not some other financial regulatory body and I feel strongly that they deserve another look.
Consumer complaint received 2023-03-21
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. (NJ)

I asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXXXXXX XXXX XXXX XXXX  {$590.00} acct # XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXX XXXX XXXX  {$990.00} acct # XXXXXXXX XXXX XXXX  {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-21
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. (AL)

In accordance with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : XXXX XXXX XXXX- Account # XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that 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 authorization /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 2023-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

See prior case # XXXX and attached XXXX response As noted in my prior case, I am still missing over {$50000.00} initially deposited with XXXX on XX/XX/XXXX via my ACH transfer from my Capital One savings account. When I initiated another transfer of {$75000.00} between the same two accounts due to XXXX 's higher interest rate, that transfer caused XXXX to flag my account as potentially fraudulent, and will take up to 60 days to close my account and return my initially deposited {$50000.00} plus accrued interest. 

In XXXX 's attached response to my prior complaint received on XX/XX/XXXX, it suggests that I notify Capital One to initiate a request for the return of my funds ( please refer to attachment for their exact verbiage ), so this new complaint is doing just that and as suggested by a CFPB rep to me this morning via phone -- I request that Capital One initiate a request of XXXX to transfer my full account balance with all accrued interest thru account closure date to my Capital One savings account. 

XXXX 's lack of transparency in this matter has been appalling, and since my account has not been closed yet as confirmed by XXXX, accrued interest is payable thru account closure date.
Consumer complaint received 2020-02-07
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: Experian Information Solutions Inc. (FL)

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2019-04-10
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: Travelex NY, Inc. ()

XXXX is the complaint submitted by me and the company is avoiding giving the answer or refund While on a trip to meet my daughter in USA I had no cash as I had a prepaid XXXX card I tried to withdraw XXXX XXXX from the XXXX Airport on my way back to XXXX and the ATM of Travelex no TX XXXX did not dispense the cash but deducted the cash from my account and further charged XXXX XXXX which was fradulent I lodged a complaint XXXX with the call center and also raised the dispute with my Bank and Travelex is refusing to refund the money or respond Please help as it is keeping the issue open for more than a year now
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I am being charged fees without having made any purchases or used the card. 

When contacting the company I am receiving referrals to their card policies. 

They have reported me as being late in payments and my credit score is being impacted. 

They are unwilling to consider removing the charges and have not closed my account despite my requests in writing.
Consumer complaint received 2019-06-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score.  please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.
Consumer complaint received 2019-03-17
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: Experian Information Solutions Inc. (FL)

Ive also contacted the companies and they have answered and said they removed the inquiry but XXXX is still showing the inquiry on my file IVE SENT THEM MANY MANY TIMES MY POLICE REPORT MY IDENTITY THEFT AFFIDAVIT MY DISPUTE LETTER ALL MY IDENTITY THEFT DOCUMENTS AND STILL NOTHING
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I submitted a request for assistance from USAA because XXXX XXXX XXXX XXXX charged me two times for 1 withdrawal in XX/XX/year>. USAA then credited me back the extra withdrawal as a temporary credit. Now they are taking it back. USAA has failed to adequately investigate this matter and are simply taking XXXX word for it without due diligence and authentication of withdrawals from my account.
Consumer complaint received 2019-06-12
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. (LA)

After watching several videos of XXXX XXXX disagreements with the credit reporting agencies I started reviewing my credit reports. I noticed an inaccurate reporting in a repossession ive been disputing these XXXX XXXX XXXX account with all three credit bureaus for months. All three of them are saying the company has verified the account and it is accurate!!! I have SOLID proof that the credit bureaus are not investigating my concerns, in fact they are constantly bouncing the balance around from {$5700.00} and {$5600.00}. XXXX XXXX says sent me a print out that said the balance was {$6000.00}. What is the correct balance? 
If I am not mistaken the FCRA says you have a duty to investigate. The XXXX XXXX has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX XXXX explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. 

This account is INACCURATE, not in compliance and a CLEAR violation of my rights!!! Please see screenshots attached!!!!
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

I started a dispute of two transactions on or about XX/XX/2019. I forwarded the requested information on multiple occasions but was told that my information was not received. 

I called multiple times but never got a solid answer to my questions about the status of my dispute. I disputed two charges ( {$150.00} and {$570.00}. ). I have had nothing but the run around. 

They finally provided a credit for the {$150.00} but have not been forth coming with with the dispute concerning the {$570.00}. 

I feel like this is intentional at this point. 

I have been a member for a number of years.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2023-03-25
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. (NY)

I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous account that is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate this account and make the necessary updates to ensure that my credit report is accurate. The listed accounts is erroneous and should be removed from my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2024-06-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rozlin Financial Group, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also received calls outside of work hours from cell phone numbers violating my rights and threatening to garnish my work checks from employees. According to law XXXX B in the FCRA I didnt give any consent for anything to be reported to my credit report and by law it shouldnt be on my credit report without my consent. My debt cant be sold to any other creditor either its against the law for my personal information to be sold. I feel I was violated.
Consumer complaint received 2023-03-25
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. (FL)

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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-25
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. (VA)

According to current law, medical debt under {$500.00} should not appear on an individuals credit report. XXXX XXXX has a collection entry on my credit report with Equifax for {$180.00}. I notified Equifax of this error and their response was that it was corrected but all they did was change some information and left the collection. I called them to appeal the decision but was told that nothing could be done. I have been damaged by credit decisions based on this error including denial of credit. Please fine them and send me restitution. Thank you very much.
Consumer complaint received 2023-03-25
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL, XXXX XX/XX/2023 Notice to Correct Credit Report 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 U.S.C. 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute incorrect information in my credit profile, which you furnished to credit reporting agencies. I am not happy with the way your company is handling my consumer report. I have disputed and reached out numerous times with no resolution. I was trying to get an apartment and realized I had damages on my credit report. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy, there should not be any damages on my report. It is defamation to my character and is fraudulent. These items must be removed due to the fact that the incorrect information that is being reported is hindering me from succeeding in society. If items are not deleted IMMEDIATELY I will continue to pursue the matter and contact my states local Attorney Office.
Consumer complaint received 2024-05-20
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Claim # XXXX XXXX was fraudulently stolen from my account. I trusted the bank to return my money and follow up yet they continue to deny my claims and their reasoning is either I authorized it or gave permission to someone to use my account. Ive sent a police report that disputes that argument % XXXX. I wasnt in the state of California when these transactions took place and I sent proof multiple documents plus my picture ID from another state to be compared to any footage. I am sending a demand letter for them to resolve this without legal council but if they continue to lie and keep my money from me then I will seek help of the federal courts! Ive done everything on my behalf to prove that my money was stolen from my account. This is unjust and unlawful and the bank knows it. Theyre abusing their power and trying to take advantage of the everyday people who use their banking system. I refuse to remain a victim!
Consumer complaint received 2017-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (PA)

Santander Consumer USA has been taking monthly payments out of my checking account for payment on my RV for over 10 years. The last payment was due on XXXX XXXX, 2017. I received the monthly invoice/statement like normal for the last amount due and noted that it was a few dollars less than the past amounts. There was no indication that I needed to send them a payment. On the week of XXXX XXXX, 2017, they started calling me. On XXXX XXXX, 2017, at around XXXX they got me at home and told me I had to send the last payment in and because I was late with payment there would be an additional {$3.00} of interest. I did not consider this to be my problem, but their problem for not letting me know I should have paid them by check instead of having them take the money out of my account. I asked to speak with a manager and did not get anywhere with them on the disagreement.
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I have been contacting MOHELA and FSA since XXXX of XXXX trying to get payment counts, date I reached eligibility for PSLF and IDR forgiveness, and when I will receive a refund. I have several tickets open with MOHELA and FSA since XX/XX/XXXX but no one has provided this information. Ive only received XXXX call back from a supervisor in XX/XX/XXXX who stated another ticket has been opened for review. Still no response from MOHELA or FSA.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (FL)

I have made attempts to resolve this including providing my insurance information. I was insured at the time this medical bill was incurred. The other accounts that were placed in collections with another agency were removed because I was indeed insured at the time and they were covered services as is this. I have also tried to settle the account with the agency because they are reporting it on by credit report with no resolve.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit score keeps dropping even after all 10 inquiries were removed after being on my report for 2 years. I pay my creditors on time, in full every month. My score should be in the high 700 's. 
Thank You Kindly!
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Yesterday, while looking at my credit report, I saw a hard inquiry by XXXX and when. Selling, they told me the hard inquiry ( which substantially lowers credit score! ) was done by XXXX XXXX? 
I called XXXX and, I knew they had no permissible reason for doing a hard inquiry as I Pay on time in full since my 1st payment in XX/XX/2016! XXXX XXXX said they did not do it and they expedited the b investigation and called me as they said they would but now I cant get in contact with XXXX  where I was part of the hackiNg.
Consumer complaint received 2023-04-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MA)

Hello, I have taken out several of these loans and finally had to request them not to take money from my account via ACH because I was constantly over drafting my account.

They have honored that and it will eventually go to collections for me to start paying.

But these interest rates are way too high.