davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (VA)

I applied for a loan in XXXX. I was given the loan and I was told that in order to get the money I had to get the insurances on the loan. Nobody ever explained that they were optional and I ended up finding out recently. I called them and asked for a refund because I only got it based off being told I had to. They said theyd investigate and get back to me in a few days. After a week and several unsuccessful calls to them I finally got a answer. I was told that my call was not recorded and that they couldnt give me the refund. I told them that every time Ive ever called Ive been told it was recorded. She said she did not find one and that it would be up to the legal team as to if I could listen to it if one was ever found. She said she would continue to look and let me know on this upcoming Thursday but that if she didnt find anything they would not refund me anything. She said a team came through and looked through all the folders and told them who to payout. I asked her how that team would know if I was a victim of this without the call this all happened on. I have never stepped foot in a one main financial branch everything I was told was via that phone call, I signed my documents from my phone and do not recall them being explained thoroughly to me or being told there were ones that were not mandatory.
Consumer complaint received 2023-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2020-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2020 I bought a snake rack from " XXXX * XXXX XXXX   XXXX '' at a price of {$770.00}. 

XX/XX/2020 I recieced an email stating that the business will be shutting down, and I will no longer be recieving my product. I was informed to dispute the charge with my credit card provider by " XXXX   * XXXX XXXX XXXX '' to get my money back. 

XX/XX/2020 I disputed the charge with Capital One ( my credit vard provider ). They credit my account the {$770.00}. 

XX/XX/2020 I recieved a letter from Capital One saying that charge was authorized by me and they are going to recharge my account for the total {$770.00}. Yes, I did authorize the charge but the issue is me not receiving the product that I bought. I am informed that I can appeal the decision but I have to mail in extra information by XX/XX/2020. 

I printed the email from " XXXX * XXXX XXXX XXXX '' telling me to chargeback my amount. Typed up an explaining with everything the letter from Capital One wanted. I mailed everything on XX/XX/2020. 

XX/XX/2020 I have heard nothing back from Calpital One, I gave them a call and spoke to a representive that said they have recieved my letter last week ( I can not remeber the day she told me ) and that my case was in queue for MasterCard process. 

XX/XX/2020 I called Capital One to talk about my dispute. I was informed that they recieved my letter to late and that a letter was mailed out on XX/XX/2020 to inform me of this, 8 days later I still have not seen this letter. 

I orginially opened this dispute because I was told that I would not recieve the product. Capital One then precede to contact " XXXX * XXXX XXXX XXXX '' asking if it was a authorized purchase, then they basically closed the case on my and not I am out almost {$800.00}. 

They told me to contact " XXXX * XXXX XXXX XXXX '' but they do not have a working website any more, no working email, and no working phone number. How am I suppose to contact a business they has no means to be contacted by.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Experian has on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX which is wrong with no apartment number. 
Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC (NY)

XXXX XXXX ( I believe was his name ) of Sunrise Credit Services has been calling my cell phone every day up to 3 times a day for months now, never once leaving a voice mail. I asked them to stop, but the calls persist. The first time I called back a couple of months ago, he refused to identify the company he was with. Today I finally got it.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

Im continuously harassed while at Wells Fargo bank branches in Arizona. I had to endure further harassment and discrimination today at a Wells Fargo branch. The bank limits my daily purchases to {$310.00} dollars, The bank refused to increase this limit. My Wells Fargo debit card information has been stolen at least three times in Arizona, The police have refused to process police reports in regards to this, since its based on obvious hate crimes, fraud and negligence involving both government officials and the Wells Fargo bank.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (TN)

Equifax mishandled my information, which puts me and millions of other people at risk.I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.They did n't notify thee public quick enough, The CEOs sold their stock in the company before the story broke aka Insider Trading.
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (MA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have filed a complaint on XXXX where XXXX XXXX responded to the complaint and made several false statements. I have made previous complaints and XXXX XXXX always seems to respond to the complaint, odd. The company responded that it needed additional time for research but responded shortly after. XXXX XXXX refuses to address several of my claims in the complaint and gives several false statements during his response, more specifically ; XXXX XXXX states that the billing was compressed this is simply not true the last statement on the account was XXXX XXXX the same month the account was charged off I have proof of this. The company is in direct violation of the truth and lending act. The company continued to charge interest on a charged off loan without producing monthly statements. XXXX XXXX did state that every time I file a complaint that it would go directly to him. I do n't deserve to be harassed by XXXX XXXX. The company contacted me in XXXX with a cease and do not call on the account and a verbal request during the initial call not to call back. XXXX XXXX only addressed the XXXX XXXX call but not the Call in XXXX XXXX where I was told about their predatory lending practices by an employee. Also, the employee told me that I would be eligible for a payment plan or assistance at the 90 day mark and XXXX XXXX has promised XXXX in the past where he has lied to the CFPB because I was never given XXXX. My online account states that they have programs for me but nothing has been given or offered because of the companies false statements I have suffered financially. I have started the small claims process against the defendant and will name XXXX XXXX as a second defendant. I am a pro XXXX plaintiff. The company has charged interest on my XXXX extensions without getting my written consent or disclosing interest amounts to me. It seems as if XXXX XXXX has a personal vendetta against me.
Consumer complaint received 2017-10-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Trakk, LLC (PA)

I got a XXXX XXXX XXXX leased vehicle from XXXX XXXX XXXX XXXX. The price listed was for XXXX, the dealership said I was approved by Autotrakk leasing company. After getting home I got a call from a representative from Autotrakk telling me the cost of the vehicle which was now {$28000.00} I told the representative the price was incorrect. The representative said well that 's what you signed for a there is nothing I can do because the car is in my possession. The dealership would not return my calls or except the car back. After leasing the vehicle for 2 years I was unable to keep up with the payments. Autotrakk repossessed the car and sold it, and is reporting a negative of {$16000.00} on my credit report.
Consumer complaint received 2017-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (CA)

On multiple times I tried to transfer USD funds from my Kraken account to my bank account. For two weeks XXXX is claiming that it is possible while it is not. Furthermore today I tried to transfer ZEC funds to a different account. This was taking a long time so I cancelled the transaction. The funds from cancelled transaction were never returned to me.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have disputed this account on many occasions with Equifax, XXXX and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX2016 payment history has No Reporting
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NC)

" Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. '' My information may have been stolen because Equifax could n't update their security and maintain my life 's personal information.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I received notice that my personal information may have been compromised on XX/XX/XXXX. I tried to enroll for protection via Equifax organization. I was told by Equifax agent that enrollment was not possible until XX/XX/XXXX and that I 'll have to return to attempt enrollment again at the later date. Equifax stated no enrollment was possible now and I 'll have to make time and effort to enroll at the later date. I am now requesting that the Consumer Financial Protection Bureau take action and help us, i.e. to determine root cause for this security breach and to protect the American consumer by regulating this industry so the frequency of security breaches is reduced or prevented.
Consumer complaint received 2017-10-17
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. (NC)

I have disputed this account on many occasions with XXXX, Experian and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting
Consumer complaint received 2024-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

XX/XX/24 XXXX charges my cash app card {$160.00}. The cash app card was locked at the time of the transaction and declined twice. Then cash app allowed the transaction to go through. I do not have the actual card so I disputed the transaction as I did not authorize XXXX to bill that account nor do I know how it was billed as I did not supply the merchant with the card. Cash app has declined my dispute twice and has no customer service number. I should not be responsible for an unauthorized charge
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OK)

According to equifaxsecurity2017.com, my credit information was compromised by a security breach of Equifax 's systems. Equifax mishandled my information, which puts me and millions of other people at risk. Equifax did not notify anyone quickly enough and admitted that they will not notify everyone. Three of their executives conveniently sold off personal stock ahead of the announcement of the breach. On  top of that, they used vague fine print to con people into signing away their class action lawsuit rights by signing up for TrustedID, their credit monitoring service. These people hold our ability to buy cars, homes, and other consumer goods in their hands, and they not only failed us, but have used underhanded methods to deflect blame.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Equifax had a data breach at the end of XXXX, XXXX and only declared so publicly today, XXXX XXXX, XXXX. They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

They took their time to deliver the news ( which could even further harm innocent people who were potentially exposed during that time period ) while the executives unloaded their stocks. 

This is foul beyond all means and must be rectified. There are 143 million people at risk now due to their incompetence. 

Retribution is not only just, but demanded.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was victim of a scam. I purchased a plane ride and hotel which were payed using the XXXX app with my Bank of America account. Due to it being through my bank, I expected it to be a secure transaction. First transaction was for {$2000.00} and the other for {$1200.00}. Both made XXXX XXXX. The number send was to XXXX - XXXX  & XXXX. I was given a fake plane ride and hotel confirmation which at the time I believed. I contacted my bank and began a claim when the date arrived and no plane ticket existed. Bank stated they can not help since it was a authorized transaction. I am deeply saddened and shocked. I was a victim of a scam and lost {$3200.00}. I believed my bank would protect me
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I have a loan with WELLS FARGO HOME MOR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and WELLS FARGO HOME MOR with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-03-07
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. (AZ)

I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all 3 multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX XXXX XXXXy # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX # XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account XXXX has violated my rights. Or a list of 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 2017-09-08
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: EQUIFAX, INC. (VA)

On XXXX XXXX 2017, a data breach at Equifax caused personal information of several consumers including SSNs, addresses and names to be compromised. Equifax provided a website ( https : //www.equifaxsecurity2017.com ) to check if a particular consumer 's data was compromised in the breach. I input my information and the website told me that my information was possibly compromised. 

Equifax provided a 1 year complimentary credit monitoring service for consumers who were affected in the data breach. However, in the Ts & Cs,  Equifax states that by accepting the complimentary credit monitoring, consumers agree to arbitration and waive any right to pursue judicial action against them.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OK)

On XXXX XXXX 2017 I found out that my personal information along with millions of others was mishandled and compromised by Equifax. I am listed as a potential victim according to their equifaxsecurity2017.com
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (PA)

Equifax did not secure my private information, and hackers now have access to ALL of it ( name, social security number, birth date, addresses, driver 's license number, and credit card numbers ).