davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
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: BMW Financial Services NA, LLC (FL)

My credit report showed one 30 days late payment. I disputed this because I wasn't sure if this was accurate. I tried a Goodwill letter and even tried talking to a rep at BMW financial and he told me they have to report accurate information to the CRA. I asked for poof and never received anything. My account is paid off so I no longer have access.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

XXXX never picked up equipment after we moved. This charge has been removed last year by XXXX and now it appears again with a new debt collector. It states in report that this has been charged off. Have them remove it immediately. Debt collector was notified but still reported this.
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (WI)

Commonwealth financial systems has reported me multiple times to various credit agencies ( negatively affecting my credit ). I received written notice and responded by mail within 30 data requesting additional information. Initially they said they never received my letter which is a lie because I had the post office track that it was received. I received a response that did you provide the information I requested. This occurred in XX/XX/XXXX and they removed the report with no communication and now again without written notification, they reported the same debt to credit agencies again on XX/XX/XXXX. I received written notification AFTER this debt was reported to credit agencies.
Consumer complaint received 2018-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (MS)

This is a followup to my { Attached } CFPB Complaint # XXXX. 
The company { Southwest Recovery Services , INC } responded that this Collection Account will be REMOVED from my Credit Reports while proper debt notification/verification is conducted. I simply would like to know on what EXACT date will the Credit Reporting Agencies { XXXX, XXXX, and XXXX } be sent the REMOVAL action ( s ). This fraudulent Collection Account on my Credit Reports is holding up my processing of an important financial transaction.
Consumer complaint received 2018-06-11
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with the payoff process at the end of the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal loan with XXXX XXXX was paid off 3 months ago. My credit report shows an open account with a balance of {$6000.00} and some change. The balance is XXXX  and the account has been closed. I have confirmation fromXXXX XXXX  to that effect. How does this record get taken off outstanding debt?
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

Three charges, {$110.00}, {$110.00}, and {$150.00}, each with a processing fee of {$8.00}, totalling {$390.00} were made from my account on XX/XX/2020 to 3 separate prisoners in XXXX County Sherriffs Inmate Canteen.

I first called the sherrif, who said they had nothing to do with it. I then contacted the withdrawing company, but never heard back. I was not able to do anything with the bank right away, as " pending '' charges can not be disputed or stopped. When I saw that the charges had finished processing, I started a dispute, which was submitted on XX/XX/XXXX. 
A credit was put into my account on XX/XX/XXXX, and I thought that was the end of it. On XX/XX/XXXX, the money was removed from my account, with the only notice being a letter that arrived the day after. 
I called BBVA Compass and was told that my dispute had been denied, and that's all they could tell me ; they gave me another number to call for more information. 
The woman who answered at that number said that it had been denied because " too much '' of my account information had been used, and it took several questions for her to tell me that the problem was the fraud including my 3 digit security code. She then asked if I was sure that I didn't know the prisoners, and whether a roommate might know the prisoners. I do not know them, and I do not leave my physical card anywhere, and I do not know anyone who knows 3 prisoners in XXXX County Jail, which is 130 miles from where I live. 
She said there was no other explanation for the use of my security code. I said every online cart asks for it ; it could have been saved in that way, along with all the other necessary information. She said that " almost never happens. '' I insisted again that no one I know had made the charges, and she said they would look into it again and one of two people would get back to me. I have given them plenty of time, but have not heard from them since.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I called the company to explain to them this isnt my debt. Explained that my XXXX ex had taken my info and was doing things I was unaware of. Even tried to settle with them because I want this painful time to put in the past.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Optio Solutions, LLC (SC)

I recently saw a company on my XXXX credit report that I do not recognize. QUALIA COLLECTION SERVICE. They never told me that I owe them any money but they are saying that I owe them money on my credit report. I dispute this debt.

1. QUALIA COLLECTION SERVIC : Account XXXX. Pages 34 & 35 The RECENT PAYMENT, MONTHLY PAYMENT and HIGHEST BALANCE sections are completely missing all information. This is inaccurate and incomplete. Please fix these issues or delete the account from my consumer report. 

Credit report attached
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the company about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the accounts ASAP!!!. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

This complaint is addressed to all three credit scoring agencies. 
I received a significant decrease in credit score from XXXX to XXXX / XXXX. 

Have an excellent payment history. Decreased by credit utilization by paying off credit cards and car loans. Credits lines would be reduced by credit card companies because I chose not to use them. This is a good thing yet we consumers are being penalized. 
Explain the substantial decease in credit score when all indicators show that I have been very responsible. I have increased my salary and paid down most debts. 

This is al happening in the midst of a global pandemic ... they can check - despite all the hardships - I have managed my credit consistently and prioritized it among more important things ( mortgage, kids schooling etc ) You ( credit agencies ) have nothing better to do than lower our scores even when there's no reason to do so. AND YES we're dealing with a pandemic next thing you know - they'll be asking for a bailout too Credit scoring agencies are luring to penalize us ... even credit card companies are extending some relief/ compassion. 

It is shameful this financial industry operates this way. I work in XXXX   XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, and now XXXX. Can't compare that to the financial industry and their greed. You expect your medicine to be of quality yet we can't expect honesty and fairness from the finance industry? 

This credit scoring mechanism is a fraud, they tilt the scoring to lower your score regardless of how to lower your risk is. I ask the CFPB and the Congress to investigate this further. 

Consumers are unable to complain about credit scores ... only to dispute entries in the reports. Since I have no negative entries to dispute - I am not given the opportunity to complain about the score itself.
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (MI)

cashapp is the worst financial app out here. its really the giveaways they do when other customers are struggling to access their own funds. i have a direct deposit thats in my account but hasnt been credited to my balance. they have no phone support or online chat or anyway to inform their paying customers on the situation. its been 24+ hours in a pandemic with them failing completely they should pay serious consequences i want to press charges
Consumer complaint received 2024-09-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

XX/XX/2024 Enrolled in account via 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 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, to earn credit from XXXX. The option to fund the account by linking an account by verifying micro deposits was given. I chose that option and provided routing and account number information to link my XXXX XXXX  account. 

XX/XX/2024 Attempted to login to the CIT account. The account login page displayed an error of 'try again later '. My XXXX XXXX  account did not show verifying transactions. 

XX/XX/2024 Contacted CIT support by telephone, XXXX. Was told the account was not approved and to contact XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for an explanation. The agent told me I could " send a mail '' a couple of times, then said I could " send a letter or a mail. ''
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX/Walmart cancelled my credit on XX/XX/XXXX. I contacted customer service several times and no one could help me I was told to wait for a letter in the mail because for some strange reason they were unable to read it on their computers. They informed me to contact XXXX  because this information was given by them. I contacted XXXX and was informed they do not give out information they receive the information and they do not know why Walmart would say such a thing. On XX/XX/XXXX I contacted Walmart again asking the reason for my card being cancelled because I did not receive any letter in the mail the representative could not give me an answer so requested to speak to a Supervisor I spoke with a supervisor and she informed me my card was cancelled because I am at a higher risk for fraud than others I asked could she better explain it to me and she stated she could not and that is what it stated on the computer I than ask to speak with her manger and was transferred to XXXX ID # XXXX and he gave me the same information I asked him was there anyone I can speak with and he told me no he is the highest level supervisor. I can not get through to anyone and no one will help me. I feel this is a form of discrimination because how was this determined based of the area I live or was it because of my race. I asked questions and he could not give me answers I informed him this was discrimination and he did not say anything. I had my credit card with Walmart since XX/XX/XXXX and never missed on payment and used my card frequently.
Consumer complaint received 2018-06-10
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. (MD)

When requesting my credit score from XXXX, I made it through the XXXX and XXXX reports fine using my PII, but when I answered the system-generated questions from Equifax, I was provided with a different person 's credit report. This includes the other person 's name, address ( current and previous ), credit history, last 4 of  social security number. I am unable to access my actual Equifax report on XXXX since the site appears to consider my once-every-12-month request fulfilled, though I still do not have *my* report from Equifax. 

I am concerned that the Equifax credit request site allows unintentional distribution of someone else 's information, and that there are no systematic checks in place to ensure this does not happen. I submitted a complaint through XXXX, but in order to submit a dispute/indicate that I am concerned about fraud/incorrect reporting, I am required by Equifax to enter a significant amount of personal information. Considering Equifax 's recent history with data breaches - and apparent ongoing inability to restrict access to an individual 's data - I will not be entering any information in that web portal. See attachment for a screenshot of the Equifax page to submit a dispute, requiring Date of Birth, full Social Security Number, Name, current address, and email address.
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I purchase my car on XX/XX/2014 and was paying thought my bank the amount of {$390.00} monthly for the past 67 month never missed any payment then when the pandemic hit our economy I lost my job I called some creditor such as my wife car payment and my house mortgage to get an extension or 3 month till I get back to work I call Nissan for my van they claim to give me 2 month I thought it was 3 month and that was the beginning or XXXX the I got this phone call about to collect dept was told that I have accumulated {$580.00} of late charge that I never know about till this moment plus my current monthly payment that's {$970.00} and 2 month additional to my loan added for the missing 2 month payment i was shock I called Nissan I mentioned the I never received statement shows me the due date. otherwise I will schedule for the write date that will not make any different to me I mention that I was not ware the due date on the XXXX I thought since I bought the car its on the XXXX that's why always comes out on that day.I have never receive call or notice that I was paying late. and now with the last of my job its too hard financially for me barley make it. I am hoping to get this issue resolveIi will appropriated
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

I forgot to return a XXXX internet equipment when I was renting an apartment three years ago and thus owed XXXX a couple hundreds. Instead of trying to contact me, XXXX just went ahead asked a company called Diversified Consultants Inc to collect the money. This collections agency called me last year but the agent is extremely unprofessional and acted exactly like frausters trying to blackmail me money. They did not explain why I owed money ( I had no clue that time ), and did not even trying to communicate with me, stopped me when I tried to ask questions and never listened. They just tried to intimidate and scare me to pay them the money thru phone. When I searched this company online, everyone said this company is a scam ( if you XXXX it you will know ). So I took them as a scam because they acted so and everyone said so!

Months later, I saw this collection account on my bureau report then I realized this company is actually a collection agency. I paid the money off immediately with XXXX and tried to contact the agency see if they can help me remove the collection accounts because they did not communicate well. But again, they acted like a scam and extremely rude. They said they can't even tell me whether they are collecting money for XXXX  until they confirmed my account. It is so ridiculous.

I think I should be properly contacted by a legitimate company that can tell me why I owe the money when I actually owed the money. But it is not the case. Right now I wish this company to disappear to make the world a better place, and at the same time I hope they could work with the bureau to remove the collection accounts from my bureau report so I can have a credit score that actually reflect my credit worthiness.
Consumer complaint received 2018-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (IL)

I financed a car through Westlake Financial back in XX/XX/2014 with a very high interest rate and monthly payment. I am in the process of refinancing that loan through my credit union ( XXXX XXXX XXXX XXXX XXXX  ) with a much lower interest rate and monthly payment. I have worked on my credit and paid the high car payment on time for 3 years and am now in a position to be approved for refinancing which was always my plan with this car loan. I have been calling Westlake Financial for almost 2.5 weeks and had very poor customer service and been give different information from everyone I have spoken with. I even spoke to a lead supervisor named XXXX XXXX and she was very rude and rushing me off the phone. I need a front and back COPY of the title to my car, in order for credit union to refinance. Westlake Financial is giving me the run around and saying they do not release that type of info. Basically, Westlake Financial is preventing me from refinancing my car at a lower interest rate and monthly payment by not providing my credit uinon with just a front and back COPY of the title to my car which is needed by the credit union to verify the car has no other lean holders.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: South Carolina State Housing Finance and Development Authority (SC)

I am very close to paying off my mortgage. Due to this I was trying to do the math and used for the first time the SC HOUSING, on line mortgage information, what I notice was that the math was not adding up. 

In XXXX, 2020 I paid {$350.00} the amount due is {$320.00}, ive paid this amount for years, to reduce the principal amount, even if its a little bit. 
I had been informed many times before that any amount paid over the monthly amount it is applied towards the principal. 

In XXXX, 2020 I ' paid an additional {$500.00}. 

On my on line account I notice that the escrow amount was paid twice, I called to inquire. 

The explanation I received varied, it was the computer, we applied it to future payments, you needed to inform us how you want the excess payment applied, etc. 

When I repeated what I was understanding the conversation came back around. On this day I was also informed more than once that the excess payment would be applied to the principal. 

I was utterly frustrated and amaze that my intelligence was totally not considered, this conversation was the same with the cashier and the manager. 

At this point I requested a history of all payments made and their breakdown. 

I now do not trust this agency because their actions are showing self interest, and I am concern because I don't believe i have the true balance of my mortgage and I believe that I may have paid interest on this loan that I should not have. 


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Consumer complaint received 2020-05-21
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: Block, Inc. (MI)

Cash app has been down since XX/XX/XXXX at XXXX i have contacted customer service 6 times I've XXXX  them because they have no direct line to verbally speak to someone still no word from cash app nor XXXX XXXX  im XXXX havent ate they havent released a real time statement or anything.
Consumer complaint received 2018-06-10
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. (FL)

Equifax has a glitch in their system and continues to report fraudulent information on my credit report that does not belong to me. I have tried to dispute this on line and Equifax 's glitch continues to say my personal identifying information does not match theirs. This is against the law. I even lost 31 points from my score fraudulently due to their glitch : The following accounts are not mine and do not belong to me : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. 
3XXXX XXXX XXXX XXXX. # XXXX