davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

Bait and Switch In XX/XX/2017, I applied for an auto title loan because I was in need of medical care and needed money to pay for the medical care. I received multiple offers and selected WCC ( Wilshire Consumer Credit ) because I liked the sales agent. I received a lower interest rate from another company and because I felt I could trust Wilshire Consumer Credit, I gave them the change to earn my business and they did in fact counteroffer with a lower rate and payment. 

Unbeknownst to me, WCC increased the interest rate and payment they quoted. 
They did a bait and switch. I contacted the agent as soon as I realized it. She never responded to me again. 

When I finally got of treatment, I called and complained about the loan terms being switched and was told " Too bad, it's too late now. '' I didn't understand that this type of loan would cost me so much and I wouldn't be able to pay the principal. In fact I was discouraged from making larger payments. I asked for copies of my loan docs and they never sent them to me. 

Each time I complained about the terms and my suspicion that this loan wasn't even a contract because I never agreed to the different terms, I wasn't taken seriously. In fact, the most recent time they tried to get me to refinance into a new loan which would be valid. 

Calling from local numbers WCC has been calling me from XXXX phone numbers, which is my area code. Their company is not in my area. They have been continuing to call me from disguised local numbers. 

Unauthorized Contact of My References My references have also been receiving suspicious phone calls from XXXX numbers that occur when I am late on my payments ( which I have been often because of the higher payment amount ). 

Damage to My Credit Because of the deceptive loan and bait and switch and my stress over the loan and illness shortly after I took out the loan, my credit has suffered and I am now struggling to finish school because of difficulty qualifying for student loans.
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

I've had a mortgage with Ditech ( formerly know as XXXX and GreenTree ) with the first payment due in XX/XX/2000. I've been paying my payment on time and within the grace period for over 19 years. This company has consistently misapplied interest and principal payments. 

There are over 100 payments were {$0.00} was applied to the principal. There are over 150 payments were the principal+interest+escrow+other are less than the payment. ( this account does not have escrow ). ( Payment History Attached ) Total Loan Amount : XXXX APR : XXXX Monthly Payment : {$730.00} Term : 360 months
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-05-30
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. (NC)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (TX)

On XX/XX/2019 went to check my card balance in it was told to me by the automated system that a new card was mailed out to my address on XX/XX/2019 and that i should receive a new card in 2- 3 business days and then it hangs up. I tried to contact a live person but it would nt let me so I called Social Security informed them of the situation in as i was doing so i was look at my online statement were it stated my check had been deposit on to a different card then the one i had on me in that on XX/XX/2019 at XXXX XXXX someone had did a ATM withdraw of {$900.00} call all numbers to direct Express   and they just keep asking me for my socail and transfer me to different people and hang up. This has put me and my family in a crisis situation not being able to pay bills in receiving letter to vacate due to no payment of rent in other utilities, .As a customer i feel that this company has failed to provide me with the services that they promised.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

Square has my businesses repeatedly for Square Email Marketing, a service that I have never ordered, requested, tried, or wanted. The first time this occurred we received no email or notifications that were being billed {$50.00} a month and only learned of it when we reviewed our account while preparing XXXX taxes. We requested and received a full refund and stated that we did not want to use this service and never signed up for it. On XX/XX/XXXX we received an email for {$95.00} for Square Email Marketing. At no time did we ever request, try or sign up for this service. Further investigation found we were billed {$910.00} between XX/XX/XXXX and XXXX, XXXX for this unwanted, not requested feature. I called customer service that morning and immediately got the run around. They initially offered us {$150.00} to settle the matter and I refused. This negotiation went on for XXXX hours with Square finally offering us {$1000.00} in free processing ( {$32.00} value ) for 6 months and {$150.00} refund. I searched our email and this is the first email we received despite being billed for this service for several months. I have still not received the refund and want to see Square held accountable for these predatory and illegal business practices as I am sure we are not their only victims. 
Further checking found that this was occurring with a second business account for at total of {$1800.00} in stolen funds. And Square, when you read this, I dont want your garbage add ons so stop charging me for it. Square case XXXX On XX/XX/XXXX, I learned that all but {$380.00} has been refunded to our accounts.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

I went to a sushi restaurant and was give food I had an allergic reaction to. I asked both the company and cash app for the refund and the company has tried to give but cash app refuses to do the refund. I properly followed their rules and they wont give me any info. Picture uploaded is from when they told me they would send the info and never did.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank is not issuing the correct points associated with the advertised rewards points. They have denied any wrong doing to the CFPB and previously denied any wrongdoing despite me submitting an email from one of their agents that acknowledges that they are aware of the system issue and that rewards points are not being issued correctly. No communications about this were ever sent to the consumers and they have been trying to hide it and not give consumers the proper compensation for them breaking the credit card agreement by not giving the advertised points for purchases made. 5x points for Sony, 3x for internet, 2x for food 1x for gas etc. I have attached an email that states that they are aware that the correct points are not being issued. I submitted this previously and it was ignored and the case close $ without resolution. I sent this to the CFPB so you could act on the illegal actions, failure to act when notified and failure to communicate to consumers. Plain and simple I did not get the points I am entitled to and this is a broken agreement on their end. Why was the previous complaint closed without anything being done when the email I submitted stated and supported exactly what I complained about.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (GA)

I have Banking with regions Bank for many years, suddenly when I started having issues depositing my personal money, Bank refused to send me information 's why and where is my money. XXXX, XXXX I made transfer XXXX $ from my unemployment account to my personal regions bank account over night i lost everything. with in week or so regions send me express mail to letting me know they are closing my account Regions stated how they have full rights to close my account with me and refuse to service me. i contact them i chased my lost money i had all proof of money but they refused me and Regions closed my account with out my consent.. I paid off in full My loan with then From XXXX Lean. from them show negative impact on my XXXX credit I was in Regions Bank Personaly I talk to Bankers they Made copy of Paid off loan and Bad reputation from them to my XXXX credit, when I was right with all documents they closed my account Not me. I provided them original documents from my credit from my transfer money and what balance should be. how ever this is used against me when i give them copy what they Have done. They hurt my financial freedom my credit and reputation for future financial comfort. I lost money with them they Turn Against me some how they forwarded my account to collection agencies XXXX m having issue on todays day to stabilize my financial situation Because my Identity has been stolen and compromised for so long to This Agency @ XXXX XXXX XXXX  XXXX suit XXXX XXXX Ohio XXXX XXXX Fraudulently calling me and threaten me with my own Identity. this company have no right to contacting me on behalf of stolen account. I need Help. I need help Please help me. I lost thousands of dollars during the past years by Scammers and fraudulent charges. Thanks
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Owner of the loan would not work with me. The servicer they use is Chase Bank. Chase Bank made mistakes and delays causing great hardship. The lack of help forced me to sell my home at a loss for {$90000.00}. Home is worth {$160000.00}.

XXXX XXXX XXXX  as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-09
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. (WI)

OnXX/XX/XXXX, I sent ( Certified Mail ) Debt Validation letter to XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX asking for verification of the account listed on my credit report. As of today XX/XX/XXXX I have not heard anything from this collection agency.
Consumer complaint received 2019-01-08
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: Transfinancial Companies, Inc (LA)

Transfinancial Companies placed collection accounts on my credit reports claiming that I owed the company. I disputed this information and asked for validation of this debt and none was provided to me in any form. The company proceeded to remove it from my XXXX report but left it on the other credit reports. I would like for them to remove this invalid information from all credit bureaus.
Consumer complaint received 2023-07-31
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. (MI)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

XXXX XXXX reopened a closer and charged off account that was closed in 2017 and is now reopened an account that was closed for XXXX XXXX XXXX is also doin the same reopened an account that was charged off and closed in 2017 for XXXX I had 10 accounts closed and charged off in 2017 there were closed and the company 's took a lose got credit up to XXXX and at beg of year they responded a closed account and has dropped my credit they can not reopen analready closed and charged off account and try to collect 2 years late it has screwed my credit up again I want it to stop they already took a lose in those accounts
Consumer complaint received 2020-09-16
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: Bread Financial Holdings, Inc. (GA)

Frontgate and Comentity Capital Bank opened a credit account in my name with my personal information that I did not authorize. I was informed about this account seven months after the account was opened when being contacted about an account I did authorize with XXXX 'XXXX XXXX. Comenity Capital Bank refused to provide proof of debt and refused to delete the fraudulent account.
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX placed derogatory untrue statement on TransUnion credit report on XX/XX/18. Has incorrect billing information that belongs to another person. Debt does not belong to XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-04-13
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: WELLS FARGO & COMPANY (FL)

On XX/XX/21, I discovered a {$5000.00} unauthorized cash advance was made on my Wells Fargo credit card ending in XXXX. At approximately XXXX XXXX. on XX/XX/21, there were no other cash advances listed or pending, and after reporting it to Wells Fargo, this card was closed. A new credit card was issued. 
On XX/XX/21, I went to a Wells Fargo branch office, and discovered that my savings account ending in XXXX had received the {$5000.00} from the credit card, and then unauthorized XXXX transfers of this amount going to an individual unknown to me had been made. This savings account was closed. 
On XX/XX/21, I went to the same branch, and reported that an additional unauthorized cash advance of {$5000.00} was taken from my closed credit card ending in XXXX. This money was deposited into my new savings account ending in XXXX, and then {$5000.00} was transferred with XXXX to the same unknown individual. 
On XX/XX/21, the Wells Fargo online fraud unit concluded that I, or someone I authorized, committed the above mentioned felonies. I did not. 
On XX/XX/21, XXXX XXXX from the Wells Fargo XXXX unit, stated that I had been a victim of online fraud, and that there were various attempts from XXXX, XXXX, and XXXX to access my account. She had gone over my history, and determined I had never taken a cash advance or used the XXXX system. 
My complaint is that Wells Fargo did not properly monitor my accounts, and allowed subsequent fraudulent transactions to be made after I made my initial complaint to them. 
I would like this to be resolved because my credit card is still showing that I owe {$10000.00}, which includes the two withdrawals, fees and interest. 
I have had a checking account with this bank for 26 years, and find this treatment outrageous.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (PA)

Despite repeatedly providing my identification, social security number, address and name, the consumer reporting agency refuses to provide me with a copy of the report. I am entitled to the report because I was : ( 1 ) Denied a bank account based on the report ; and ( 2 ) Requested only a single report in a 12 month period.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (DE)

In accordance to 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 a account without my written instructions. 



Date XX/XX/2022 XXXX {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to credit reports.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (OH)

Please note this is not a debt validation request. This is a request to be removed from credit reporting according to the consumer laws noted. 
( 15 USC 1681 ) According to the U s consumer laws I have a right to privacy.

I request for all of the disputed accounts to Cease Desist credit reporting.

I repeat, I invoke my privacy under the consumer laws to cease credit reporting on the disputed accounts.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.