davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-04
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MA)

WE HAVE USED WESTERN UNION BEFORE TO TRANSFER MONEY TO IMPOVERISHED RELATIVES IN XXXX, HAVING TESTED THE SYSTEM A FEW MONTHS AGO WITH {$50.00}. AFTER SEVERAL ERRORS, WE FINALLY GOT THE MONEY PICKED UP BY FAMILY IN XXXX XXXX. AT XXXX WE DECIDED TO SEND A LARGER AMOUNT USING THE SAME ACCOUNT AND RECIPIENT IDENTIFIERS AS THE PREVIOUS TEST TRANSFER. ON XX/XX/XXXX WE SENT {$300.00} THAT HAS BEEN REPEATEDLY REFUSED TO THE RECIPIENT FOR SKETCHY REASONS ( NAME IS NOT EXACTLY RIGHT ) AND DESPITE THE EARLIER SUCCESSFUL TRANSACTION. WE SUSPECT SCAM AND THEFT AND HAVE EMAILED W.U. ACCORDINGLY. WE ALSO FILE THIS COMPLAINT. THE ISSUE SEEMS TO BE NAMES. OUR SISTER HAS A COMPLICATED MULTI-PART NAME AS FOLLOWS : XXXX XXXX XXXX XXXX. WE HAVE TRIED TO SHORTEN IT FOR W.U. - OBVIOUSLY FAILING - OR BEING CHEATED AS A RESULT. DESPERATELY NEED HELP HERE. 

XXXX AND XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I am filing this complaint against Equifax, XXXX  & XXXX. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date Equifax is reporting is unavailable. Equifax has failed to publish the correct information. 

The Bankruptcy filing date Equifax is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Basically what happened with Credit acceptance is that I got an XXXX XXXX XXXX in XXXX from a car lot call XXXX XXXX XXXX. My car started to make noise and engine was going out after having my car only for XXXX months I ask can I switch my car out. They advise that I should still pay on the car even if it wasnt drivable. So I told them to come get my car in XXXX of XXXX they didnt come get my car until XXXX of XXXX. And I did not have my car for a year yet before stopped. Also they sent me a letter with a settlement that I feel like is not fair to pay due to my car stopping and I turn my car in.
Consumer complaint received 2024-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I applied for a credit card at my bank.And when I looked at XXXX XXXX, It said I had 8 hard inquiries and 2 of them I have no clue who Those companies are. I already have a car and my loan is through a credit union that I go through and I have never even heard of these companies. The first company is Capital 1 auto finand the second company is XXXX XXXX XXXX.
Consumer complaint received 2020-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (CA)

Reached out to the Bureaus, Inc twice requesting debt validation they failed to send the original contract with my signature ... both times they did not answer my debt validation request.. Its been 30 days and i want all debts removed ... file XXXX
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

in XXXX I have paid my Kohls charge on the day it was due the XXXX on the statement it says it is due on the XXXX ... and if it is late you will pay a {$37.00} late fee. it also says on bill you can pay bill or call the 24 hour automated system and lists the number. Well I do that but If you call past XXXX it charges it to the next day and then you get a late fee. 

I paid it on the date it was due and the bill does not say it has to be paid by XXXX XXXX  ... but I have been charged 9 times late fee for paying in after XXXX on the date it was due.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

i am a survivor of XXXX  and XXXX  XXXX and my information was used in the process of those crimes. i have filed a police report with my local authorities as well as with the ftc. im seeking relief under regulation v and the debt bondage relief act. please assist accordingly thanks in advance
Consumer complaint received 2017-10-24
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. (FL)

On XXXX XXXX, I sent an investigation request to XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Malen & Associates, p.c. (NY)

On XX/XX/2024 I returned to my apartment and noticed a packet taped to the door of the outside apartment building. It was a court order to me from a credit card debt collector. It was taped on there so everyone and anyone could see my personal information. It has information that should not be shared with anyone. I have no idea who has read this and now has my private information. I do not believe this is a real court document but rather a scare tactic. Now I have to worry about who has my information and the security of my personal information. I will attach the first couple of sheets of the document. If more is need I will send it upon request but again my personal information is on it.
Consumer complaint received 2019-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

Fifth Third Bank increased our monthly mortgage payment by {$600.00} without cause after buying our mortgage from another bank. In addition they never paid our home insurance account which forced a loss of our 25 year plan and increased our premium by {$1500.00} annually. They fluctuated our mortgage payment several times in one year and then penalized us by hitting my credit so that I could not move banks. No one at this institution will explain the artificial escrow increase even after speaking with the office of the president. We pay our own home insurance and the only escrow is for taxes which have not increased to to justify this surplus. They have ruined our credit, crippled our ability to afford anything for my family over the last two years and people need to be aware they should not bank with them.
Consumer complaint received 2017-10-24
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. (NC)

I have been fighting for some time since my identity was stolen and now being apart of the Equifax Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet XXXX  and Equifax refuse.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Financial Business and Consumer Solutions. (CA)

I keep getting calls from what I think is a scammer. They call my family members, cell phone, and place of employment. They say they are taking legal action and to calm them to resolve it before escalation. The number they called from is XXXX but they say to call XXXX. Theyve called for the last week and wont stop.
Consumer complaint received 2021-10-04
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: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/2021 I was notified by XXXX that my name and Social Security number were used to open a fraudulent checking account with BB & T. 

I immediately contacted the bank at this phone number ( XXXX ) XXXX. I filed a police report. I contacted the Federal Trade Commission and Social Security Agency to report the event. I was assured by BB & T that the account had been closed and that an investigation would take place.

When I started receiving paperwork from BB & T I became alarmed and called the bank again. I was reassured that the account was closed, an investigation ongoing and that whatever communication I was receiving by mail was in the pipeline prior to any measures being put in place. 

I am now in receipt of notification stating that my account is overdrawn by {$200.00} ( plus late fees ) and that if I dont cover this debt a collection agency will be retained to recover this amount. 

I have called the bank repeatedly. They refuse to give me a case number to follow progress and claim that they are backed up. 


I have written to : XXXX XXXX XXXX, XXXX, CEO BB & T XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX no answer.
Consumer complaint received 2017-10-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WA)

On XXXX XXXX I received a scheduled call from Navient and set up a one time payment of {$150.00} to place my accounts in a temporary forbearance. After recently checking my account, I quickly realized my account is still showing a past due balance now over {$1000.00} with an upcoming due date. Nothing has been resolved.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

I received a notification on XXXX that a collection account was added to my credit reports. According to XXXX, it was reported on XXXX/XXXX/XXXX but I never received a dunning letter in regards to this collection account and then I was notified of the account by XXXX. I have never done any business with this company or have any knowledge of this company or the amount owed.
Consumer complaint received 2021-10-04
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: Finance System of Richmond, Inc. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a capital one card. I was approved. The card caMe In the mail one week later and I tried to activate it but was given nothing but trouble. I was unable to update any of my account information once the card arrived. Both my email and phone number are different from when I had an account back in 2015. As a result, I could never activate or use the card. I never knew there was a balance on the card of {$39.00}. I just received mail from capital one and the due date was XX/XX/XXXX. I immediately made a payment as now it stated my account was past due.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I vehimately disagree with the Synchrony bank rep who researched my complaint about the XXXX XXXX interest charge of {$250.00}, which I was supposed to get along with the other XXXX interest charge. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TN)

Subject : XXXX XXXX XXXX ; XXXX Claim Ending # XXXX ; Missing XXXX $ in Next Day ACH Transfer. 

I initiated a next day ACH Transfer from my XXXX XXXX XXXX Checking Account on XXXX XX/XX/2021 to TransferWise Business Checking Account but it never got deposited into Recipient 's account. It has not credited back to my account either. 

After further investigation, we noticed the TransferWise account number in the transaction is incorrect and XXXX XXXX XXXX requested for a Recall of the funds. 

It has been almost 30 days now but no update on where the funds are from both the financial institutions ( XXXX XXXX XXXX & TransferWise ). 

I created one claim with XXXX XXXX XXXX ( which was not approved ) that has all the information and multiple tickets to TransferWise on the missing funds but nothing worked till date.
Consumer complaint received 2017-02-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MS)

Ihad borrowed XXXX dollars from Big Picture loans, they had sent me a paper that told me how much interest I would be paying for this amount.I was going to have to pay XXXX total for the total payments. They have already taken XXXX dollars out of my account before I knew what I was going to have to pay.This is robbery charging XXXX for a XXXX loan. Ineed to get this issue taken care of, but do n't know what to do.Iwill have to close my checking account until I get this interest rate taken care of I would appreciate your help.
Consumer complaint received 2017-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My credit report is saying I owe XXXX XXXX XXXX, and I 've never taken credit from them. For that matter, I 've only had XXXX credit card in my entire life about XXXX years ago, and that was fully paid off. 
Now, I 'm a widow with XXXX children and have been receiving XXXX benefits from the governemt, so I have paid for everything with cash, however, I 'm trying to build and establish credit, in hopes to buy a home for us one day, but I found this on my report, and do n't know who else to contact.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (MI)

This account was placed on my credit profile by ENHANCED RECOVERY without my consent wich is in violation of FDCPA and FCRA rules and Reulations, this account was purchsed for profit and is Unverified and or Inaccurate.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

Hello I have a collection on my credit report for Synchrony Bank / GAP I have called XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX no one can find or claim the account or offer help or tell me who I can talk to about settlement or removing the account.
Consumer complaint received 2024-03-07
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: Bread Financial Holdings, Inc. (TX)

The credit lender, Alpheon, failed to provide account information at the beginning of our term, leading to missed payments. I am requesting investigation and correction.

This incident arose due to a failure on the part of the lender to provide any sort of account information, resulting in missed payments. Even upon my most recent phone call with them they agreed they never sent out any email, phone call, or mail with my account information. And that my initial application included all information for them to be able to take my payments and they still failed to enter the information in their system.

Upon my initial application, I provided my bank information with the expectation that it would be used for monthly payments. Unfortunately, I was unaware of any missed payments until receiving a credit alert three months later. Immediately upon notification, I contacted Alpheon to rectify the situation.

During our phone call, I learned that the lender claimed they were unable to send me account information due to an alleged inability to locate my address through the postal service. However, to initially verify my account they gave my address to me, so they indeed did have my address and they were lying. Furthermore, when questioned about their failure to contact me, they stated they did not have my phone number. However, during the same call, they verified my account using my phone number that I called with. So they were using excuses to not take accountability for their mistake on not forwarding me information needed to make payments on my account. 

I want to emphasize that I have a longstanding record of prompt payments and never intended to miss any obligations. To prevent future occurrences, I have set up automatic payments with the lender, even though they already possess my bank information, address, and phone number. And I am looking to make a last full payment to close out the account this month. 

I kindly request your assistance in investigating this matter and rectifying the negative impact on my credit score.

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-02-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (CA)

I took a loan with XXXX and defaulted. National Credit Adjusters ( NCA ) called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX, their SISTER COMPANY, would also remove the marks. XXXX did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes. 

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX sells much of their bad loans to National Credit Adjusters, so I am holding them responsible for the false promises made by NCA. 

Thanks, XXXX
Consumer complaint received 2022-09-08
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: HUNTINGTON NATIONAL BANK, THE (OH)

In 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 2017-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Liberty Loan Co inc. (TX)

I have run into a financial situation. I 've contacted the company and told them once I get my income tax I would payoff the loan and please DO NOT call my job or personal phone anymore. They continue to call my job putting me at risk of losing it. As of today X/XX/2017 I want Liberty loan to stop calling and harrassing me about the money owed to them.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

This company threatened to damage my credit so I paid {$500.00} as requested for deletion BEFORE it appeared on my credit file. I paid and they STILL reported it to my credit file. They agreed to not have placed this on my credit and they sent it anyway to all 3 credit bureaus which is damaging my credit score. They lied.
Consumer complaint received 2017-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (KY)

On XXXX/XXXX/XXXX I paid Santander, via XXXX certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my XXXX account and posted to my 'closed ' Santander account. On XXXX/XXXX/XXXX, XXXX credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, XXXX reversed the credit to my checking account. When I inquired, I was told by a XXXX customer service representative that a representative from Santander confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with XXXX and Santander to correct this situation to no avail.