davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: TMX Finance LLC (MD)

i applyed for the loan in XXXX i started out asking for a smaller amount but the lady told me i was approved for XXXX so i decscided to go with XXXX and pay off all my bills and just have one payment every month but when i found out later i only got XXXX the lady went with me to the bank and i didnt get the money untill i paid my old title loan off so they could get my title i ask them to give me the other money she said i was only approved for XXXX but she lead me to believe i was getting XXXX i didnt know untill i went back to the office i only recieved XXXX
Consumer complaint received 2019-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY (PA)

My husband and I are both minorities and have been loyal customers to TD bank for a number of years. The branch on XXXX XXXX and XXXX in XXXX, PA has always shown some form of discrimination against us whenever we use the drive through services. On every single encounter, we are not served in the order we arrive, we are always asked for extra verification and information that isnt required of neighboring clients that arrive after us ( that happen to be XXXX ), and our wait time is always between 15-20mins for simple transactions. We never have issues at any of the other branches we go to. This branch needs to seriously reevaluate its employees and review its discrimination policies, especially to those who work the drive through area.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Is in vio

lation of my Cease and Desist. I do not have any agreements with Capital One that allow the collection of any debt from me. They have been on reporting negative information on my consumer file. that is still communication any medium. i asked Capital one to correct the billing info and to comply with the Cease and desist. What do i owe? how much is
the alleged debt? who is the alleged debt owed to? who is the alleged debt to be payed to? so that i can Pay any alleged debt that i owe. Please send me documentary evidence. i will pay any alleged debt that is lawfully owed by me.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo claims I owe {$190.00} from account number XXXX, a closed checking account. This amount includes two funds transfers in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}, a debit card dispute from merchant by name of XXXX. The item ordered from XXXX, a mens t-shirt, was not received. It was sent via XXXX with a forged signature, XXXX driver has a habit of forging signatures, leaving packages where they can be lost/stolen. Previously, driver signed a package as " XXXX XXXX '', no one by initial M lives at my address, in fact, I live alone.. Due to complaint filed in re, driver chose to sign package as " XXXX XXXX '' this time. This was explained in prior CFPB complaints in re, Wells Fargo chose to ignore this information, refer me to account recovery dept for payment on account in which case, I do not pay for items no received nor will I ever..
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (GA)

XXXX XXXX XXXX just got a background check from Checkr Background Service on me. On page 3, in my motor vehicle report under Suspensions, there is an incorrect XXXX. Serious Commercial Disqualification item dated XX/XX/XXXX ; 2018 : listed from XX/XX/2018 through XX/XX/2018. This information is incorrect and Im requesting it be removed from my record. My phone number is XXXX. Thanks, XXXX XXXX.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CT)

According to a rep with XXXX XXXX, XXXX, remaining funds in XXXX account ending in XXXX sent to Wells Fargo in the amount of {$140.00} as part of a fraud claim. XXXX stated, as per instructions from Wells Fargo, any remaining funds to be sent to Wells Fargo as part of fraud claim..I reached out to a XXXX XXXX, manager with Wells Fargo executive office in re , he stated check from XXXX in that amount was rejected back, never cashed, Wells Fargo does not accept partial payments.. The fraud claim amount is {$690.00}, {$140.00} does not cover claim, rejected back to XXXX. I attempted to resolve issue with XXXX, advised him I had spoken with XXXX and was advised of the above, he claims Wells Fargo needs to change their instructions regarding fraud claim to allow funds sent to myself. .A prior CFPB complaint was filed in re against Wells Fargo XXXX rep replying on their behalf refused to take action. Most recently, I attempted to reach back out to XXXX XXXX, messages left, none returned. However, XXXX can be reached at XXXX, should Wells Fargo have questions. Complaints marked as duplicate which are not will be resubmitted here and other agencies
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Throughout, I've maintained timely payments on this account, ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-03-11
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. (FL)

I have been on my credit report lately and have seen after many tries to remove inaccuracies from all three agencies i have not been successful. so to me this CONSPIRACY against my credit report must be reported. more that XXXX discrepancies are reflecting on trans union XXXX Equifax and XXXX all inaccuracies that still hurt me and hinder me from living a productive life daily. In accordance with the fair house credit reporting act these credit reporting agencies have violated my rights under 15 usc 1681 section A section section 602 I have the right the privacy/ 15 usc 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instruction./ 15 usc 1666b a creditor may not treat a late payment on a credit card account on an open end consumer plan as late for any purpose.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Business and Consumer Solutions. (GA)

A company FBCS called from a XXXX number to my relative/mom. I have no idea who or what company this is besides someone is attempting to collect a debt on my name. She wants the calls to stop! I dont know how they have gotten her number.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX / XXXX XXXX PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 3 inquiry 's that were unauthorized, inaccurate, or made in error along with violating the Electronic Communications Privacy Act of XXXX. 
The following inquiries are impermissible : 1. AD ASTRA RECOVERY SERV on XX/XX/XXXX for the amount of {$820.00} 2. XXXX XXXX XXXX XXXX and XX/XX/XXXX for the amount of {$1400.00} Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit 4. The right they have to record me without my consent Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a capital one credit card that I've had for years made every payment on time kept the account in good standings and the last time it was a increase on the account was XX/XX/XXXX I have no payment problems with my other creditors no late payments or anything and they have not done nothing to increase my account in almost 4 years I did put a request in on XX/XX/XXXX but got a email saying that we will email you in a few days with a response which if it went through it would've said it right there so I know I didn't get it I want to close the account but I know it will hurt my credit score if I do if you can help me with this matter it will be very helpful I don't need a card company that does nothing to look out for it's card holders if I could close the account today without hurting my credit score I would 4 years and nothing they care only about people making their payment on time and that's it
Consumer complaint received 2015-09-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Saturday XXXXSerious and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-05-18
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

I recently checked my credit reports and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. Also, to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I found the dispute because I had phones fraudulently taken taken out of my account they refused to give them back to me because they were taken by an ATM I have no idea if my card was copied or if my somebody used my card since I have lost it they all hold me responsible because I did not put a freeze on my card prior to making my dispute with them I did not to touch these funds they were taken out in XXXX when I live in XXXX XXXX and I was sitting at home working as a caregiver taking care of my XXXX brother I have put in a police report and youre still holding me responsible they keep telling me to give them new information give new information Ive given them my time cards that I was on the clock and I was at home Ive given them the police report number I have given them history transactions that show I do not do transactions in XXXX I feel like the next thing they want for me is my boy yeah hold me responsible for the tune of {$340.00} on my checking account plus another {$140.00} on a credit card that took place in XXXX to the same company which is chime bank
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

The date was today. XX/XX/2022. I received a phone call this morning from a man informing me that my XXXX account had been hacked. He said there were purchases over {$1500.00} that would be coming out of my account in a couple hours. He asked me for different information. He knows my social security number. He said that there was an internal hacker from my bank so he asked that i get a security card from XXXX and purchase a XXXX XXXX XXXX  {$500.00} is what he told me to put on the gift card. He then asked for the gift card number. After all of this, you can obviously see, I now know that i was scammed.
Consumer complaint received 2022-05-18
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: CURO Intermediate Holdings (AZ)

Im accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-12
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-05-18
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. (CO)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # 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 instruction