davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (IN)

XXXX XXXX  I purchased couch pre approved told payment would be XXXXXXXX XXXX not {$190.00}. For a XXXXXXXX XXXX couch if they had interest it would be over XXXX XXXX interest they call it non return lease and won't negotiate price in past for {$3000.00} purchase payments where less than now they are wrong in technic and wrong scamming with so called lease misleading gouging and the computer glitches couldn't see papers signed they were behind counter I also paid XXXX XXXX cash no reciepts for delivery from them leg broke during set up how is the intent gouging with a lease u can't return. Financed though American first finance from XXXX XXXX
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I logged on to my Bank of America account and found a credit card on my account that I never opened or applied for. After waiting on hold for many hours, I finally got to someone in fraud who closed the credit card. The card had not been activated but did have an annual fee charge on it, which I was told would be removed and I wouldn't be charged for. The credit card has been removed from my account but I was then told I had to talk to someone else about getting a copy of the application and making sure the credit card was removed from my credit history. I waited on hold with many other people, for a minimum of three hours, and no one could help me. No one seemed to know who I should actual talk to or what to do. This credit card was allowed to be opened by my bank, with whom I have many accounts but I was never once contacted for verification and the bank seemed completely unprepared for helping me more than closing the credit card. I am concerned about my personal information being used again and my credit being hurt by this and BOA seemed to have no interest in helping me further. I was told I would have to just wait and see and contact the major credit bureaus in 3 months.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : XXXX
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (GA)

I have an account with conns home plus and I try making my payments on time but my pay check dont all ways line up with the due date. I have informed them of this many of times but all that I am told is to sign up for auto which still would not help and could probably make my account go negative. I have call and have told them I will make a payment on a set day and to please dont call me. They will continue to call 4-6 times a day from multiple numbers. They will sent me text messages saying Good credit is important. Your account is 9 days past due. Please call Conn 's @ XXXX and pay {$130.00} or for assistance. 
I also will receive emails saying we are here to help or I can help you with your account. Both of these statements dont live up. I even have had trouble making a arrangement on my payment. I would say that I would be maybe 12 days late and thats when my next paycheck comes in, they have to get permission from a Supervisor to let the payment go though. At the time of XXXX they were running a promotion for 0 % Interest for 12 months. I put {$500.00} down on my account to open it on a XXXX computer and they said that I did get the interest free period even though the purchase amount as well above the minimum amount. I will not use this company once this account is paid off.
Consumer complaint received 2024-11-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I switched from XXXX to XXXXXXXX  during a promotion offering free phones with trade-ins. Shortly after starting our plan, we experienced significant service issues due to known cell tower problems in our area. XXXX acknowledged the issue, unlocked the free phones they provided, canceled our contract without penalty, and confirmed we could keep the phones since they couldnt return our traded-in devices. 

XXXX months to a year later, I received a bill claiming we owe for the phones. Upon contacting XXXX, the representative was able to go back and review all previous phone call notes and we were assured we do not owe anything due to the prior resolution. I am filing this complaint to dispute the bill and seek assistance in resolving this matter.
Consumer complaint received 2021-01-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I opened an account with 53rd bank in XXXX Kentucky. This was an IRA direct transfer from another bank. I put it into a CD which was to mature in 2.5 years. I signed paperwork and got a receipt saying I had opened a CD/IRA. When the CD matured at 53rd I went to roll the CD/IRA over to another bank and to my horror discovered that 53rd bank had not coded my IRA correctly when they received it as a direct transfer from the first bank 2.5 years ago. My money had been sitting in a regular savings account for the last 2.5 years unbeknownst to me. I didn't know what to do so I took the money and deposited it at another bank in a regular savings account since I know you only have 60 days to roll over an IRA and it had been 2.5 years thanks to 53rd bank. 

Now I am looking at a big tax bill and penalties due to 53rd bank 's mistake. I asked them to help me write a letter to the IRS to explain their error but they refused to help me even though they admitted it was their mistake. Instead, they wanted me to sign something saying that I wouldn't sue them. 

I called them a few times but they do not ever call me back. 

I am going to take a big financial hit due to their mistake ( admitted to me by them ) but they refused to take any responsibility. 

I don't know what to do. Please help.
Consumer complaint received 2023-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

My student loan servicer, NelNet, is misapplying my payments to interest and not principal. I have made overpayments throughout the entire " Covid Forbearance '' period, yet my account shows that for 6 consecutive months they applied 100 % of my payment toward interest. I have called and emailed multiple times requesting they audit my account to correct the problem. On the phone, they acknowledge the apparent error and say they will refer my account for review. However, I have received zero response despite waiting months. I have also received zero response from my email inquiries. 

I need someone with the authority to force them to do a an audit of my account and correct the misapplication of payments to interest instead of principal.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Supreme Lending (TX)

On XX/XX/12, I received email alert from one of the credit bureaus that there's a hard enquiry on my credit file. I checked all the 3 bureaus and found this hard enquiry on file : XXXX : EVERETT FINANCIAL IN XXXX XXXX XXXXXXXXEVERETT FINAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEVERETT FI I also received an email from Supreme Lending , the lender who did a pre-approval for me more than 13 months back, stating that they have to keep their records current and therefore ran a credit check!!!. I never authorized that lender to run my credit except for the purpose of pre-approval. I spoke to the company and they repeated the same thing that they have to keep their qualifying factors current. I insisted ( in email ) that I never authorized you or expressed my intent to get loan from you until the house is nearing completion. 

I want this credit enquiry to be removed from all credit bureaus. And I think the lender can do it.
Consumer complaint received 2021-09-21
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. (MS)

I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. Experian and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. XXXX and XXXX are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( XXXX, XXXX and Experian ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.
Consumer complaint received 2023-06-23
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2023-06-23
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. (CA)

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CCS Financial Services, Inc. (NJ)

XXXX XXXX they gave me a price I paid for the first and last month and out of no where they changed the price they tried to charge my credit card for more than {$1000.00} for my credit card money that I did not have in the bank and I told them I was going to cancel and I was going to get a new insurance company cuz the price went up too much and they try to say that I owe them money I do not owe this people money because I gat a new insurance company have new insurance company and I have all the proof from the bank they try to take money that I did not have in the bank and I want to get a lawyer and take these people to court
Consumer complaint received 2023-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Block, Inc. (KS)

I was informed by a friend of mine that not all accounts on cashapp are charged a fee to receive money. The only time you are charged a fee to receive money is if your account is a business account. I immediately contacted cashapp support in the app. I explained that i am not a business, and I never became a business, but I am being charged like I am. My account has always been strictly for personal payments between family and friends. Cashapp support replied to my concern with what the fee % is for business accounts. I had explained again my problem, they then said I would need to confirm the switch from business to personal. Which I did.. I asked when my account became a business account, they told me XX/XX/2020. I calculated the total fees I have been charged to receive money since then {$780.00}. I asked what I was suppose to do about that much money I was charged when I never switched my account and they told me they would courtesy refund me XXXX $ because they can't go back farther then 7 days. I don't see how that's possible when I never switched my account.
Consumer complaint received 2023-06-22
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. (TX)

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.

The letters are stated with items and issues.

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 2022-04-05
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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. (FL)

I have attached and FTC report and a highlighted picture of a XXXX account that is reporting inaccurate information which is a violation of the FCRA and needs to be deleted asap from all three bureaus.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery Service has been trying to collect money from me that has been reported on my credit report from a charge by XXXX XXXX XXXX ( TX, XXXX area ), that is completely erroneous and is currently hindering my credit for no reason. The collections amount is {$260.00}, and although we briefly used this company, after poor service ( being told services were being rendered when they were not -- we have security cameras that proved this -- and poor service when they were actually here ), but we requested they never come back. No contract was signed stating the services that were rendered for this {$260.00} should take place. At one point, an employee trespassed on our property to make it seem like a service was being given -- one that we did not ask for, and was only done in part. No matter how many times we try speaking to this company, they hide behind this collection agency, and we DO NOT owe them any money.
Consumer complaint received 2019-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to XXXX & XXXX, Trans Union advising them that these two accounts don't belong to me, they sent me a letter explaining that their investigation was completed. I then requested a copy of how they verified the information that I had disputed? they then advise me if I had any issue to please contact the creditor I contacted the creditor they themself have not been available to verify or furnish a signed agreement bearing my signature to prove to them that the account is not mine.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.