davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

on XX/XX/XXXX I had accessed my credit report for review. I found that my XXXX XXXX CC ( XXXX  ) was closed in XX/XX/XXXX. Today i called XXXX CC and asked if i can have my account reinstated. I have been a loyal card member with 99 % ontime payments since XX/XX/XXXX and my card was closed d/t inactivity. The initial rep said there was nothing she could do and gave me to supervisor XXXX. XXXX basically stated the same notion. However, she stated that express sends out notifications if accounts are going to be closed and the cardholder has 7 days to respond to the notice. I stated that i did not receive a notice from XXXX. She placed me on hold to verify if a notice was sent. After being on hold for over 10minutes our line was disconnected. 
I then called back and spoke to a different supervisor by the name of XXXX. XXXX stated that XXXX did not send a notice to me in XX/XX/XXXX and that my account is closed d/t inactivity. I tried to explain my long good standing with the company and how in the past 5 years i've had XXXX kids and that was the reason for the inactivity. Additionaly, my husband was XXXX from XX/XX/XXXX-XX/XX/XXXX and i had no opportunity to use the card with children in tow. XXXX stated he can not re-instate my account. 
I had a similar situation with XXXX and they re-opened my account for use on the spot.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

I recently made a purchase on my Cashapp account with the store XXXX XXXX.Ater find out that the items were not as described so I requested to return them.XXXX XXXX accepted for me to return the 3 items and I printed out 2 return labels for me to ship them back to them.After waiting a few days I saw that they were returned back to them.I then tried to get in contact with XXXX XXXX via phone.I told them I returned the items back to them but they were unable to give me a refund without explaining to me why.This them prompted me to start a dispute with my card issuer Cash App.I have tried to dispute the transaction via customer support but they keep sending me the same email 2x.My end goal is to try to have this XXXX XXXX transaction disputed
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (MO)

I am using a third party service to monitor my credit bureau files. Imagine my shock when they notified me that a negative entry had been placed on my file. XXXX XXXX accepted a file from Contract Callers Inc. that they were collecting {$150.00} for XXXX XXXX. 

I spoke with XXXX XXXX whom I am a current customer with in good standing. they informed me that they have not sent any collection account information to Contract Callers Inc. to collect from me but did admit they use CCI which they assumed is one and the same. 

When I called the company they refused to give me any information because I refused to give them my SSN over the phone. Not knowing who they are and they have personal information about me already causes me great distress and concern. 

I would like this company held responsible for their actions which clearly violates several state and Federal laws.
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (TX)

INCORRECT INFORMATION ON MY CREDIT REPORT. MY PERSONAL INFORMATION WAS STOLEN DUE TO IDENTITY THEFT ON MY CREDIT CARD AND OTHER ACCOUNTS WERE APPLIED TO MY NAME. I FILED A POLICE REPORT AND SUBMITTED THE INFORMATION TO EQUIFAX, AND THEY REFUSED TO HONOR IT. I HAVE REACHED OUT TO EQUIFAX AS WELL AS XXXX XXXX AND XXXX, AND THEY ( XXXX XXXX XXXX XXXX ) REMOVED THE UNAUTHORIZED INQUIRIES ONCE I SUBMITTED THE POLICE REPORT.
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (WA)

I reach out to Equifax today and the representative refused to investigate my inquries I explain that these companies did not have permissible purpose and I have not sought any credit with these companies.
Consumer complaint received 2019-03-04
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. (NC)

Fraudulent accounts/ disputed with no results and lack of commitment. 
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 2019-02-25
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: EQUIFAX, INC. (TX)

I have spent 3 months trying to dispute inaccurate information with Equifax. I've done online disputes, I've mailed several letters and I've had several telephone conversations. The fraudulently information that they are reporting has been removed from every other bureau but Equifax. The information that they are reporting is from a company that DOES NOT EXIST! 

The only solution Equifax offered is writing NOTES on my profile which is still preventing me from securing housing.
Consumer complaint received 2019-02-25
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. (LA)

I have disputed the account on my report several times. The account with USDA rural developement was opened in XXXX. It was repotred to experian as a negative account in XXXX. I initially paid off the account and Experian still won't remove this account. It has exceeded the 7 year time frame and everytime I disupte the account they update the account as my account and move the removal date for the account to come off to a later date. Which the account has been on my report since XXXX and reported as negative on the account since XXXX which is well over the legal law of the 7 years it was to remain on there. I want this negative account removed from my experian credit report please
Consumer complaint received 2021-11-27
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. (IL)

I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-03-02
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. (MO)

It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that XXXX and Transunion credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (CA)

I have filed disputes with the credit bureaus and still have not receive anything from them. I understand they are in a state a different state then me but still should not take more then 30 days to reply to my requet.
Consumer complaint received 2019-02-26
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. (MS)

The XXXX XXXX XXXX XXXX is showing on my credit profile as derogatory and upon multiple request for validation Experian & XXXX Credit Reporting Agencies have failed to comply with FCRA laws and continue to inaccurately report this derogatory information to my credit file. As a law abiding tax paying citizen, it is undue hardship to be required to contiually exert my resources to correct this damage. There is no balance due to the XXXX XXXX XXXX XXXX or any of its collectiona agents or the XXXX XXXX XXXX on this over payment that has been inaccurately reported to my file. In addition in an even more desparate measure to remove this from derogatory burden I have not only paid the amount shown but additional fees attached and STILL to no AVAIL I received a letter from Experian stating the matter is valid and a balance still reports to my file. EVEN with attached proof and confirming with the XXXX and their collection agents who received the payment in excess of {$1000.00} dollars ( performace @ XXXX ext XXXX ) that there is no balance. What else can you do when even paying them causes such damage. I am emotionally distressed and directly damaged by this non sense that is keeping my children and family from having the home life that they so rightfully deserve. Please help if anyone is listening. See attached docs for reference ..
Consumer complaint received 2019-07-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

I received a phone call on XX/XX/2019 from XXXX stating that he was a 'Compliance Officer ' for XXXX County regarding a case number XXXX and said that i needed to contact XXXX to discuss my options. He said that there was an 'Order of location ' out for me and that he would show up to my residence or job and require two forms or identification and I would need to sign the documents. I called XXXX and it was answered XXXX and they said there were trying to collect {$3000.00} out from Ace Cash express. They said that they would send it to court and that I would lose so I need to pay it now. I asked for them to send me verification of the debt and they told me they don't need to. I asked who were they and they told me that I just need to pay right now. She got defensive and told me she is not going to argue with me anymore she is just going to send my account to the judge and she will get her money one way or another. She yelled and screamed at me and harassed me.
Consumer complaint received 2019-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

On XX/XX/XXXX I checked my account as I made two recent large  payments, one of which was canceled upon my request as it was made from the wrong bank account. I had decided to also check my account history for the life of all loans. I noticed " loan sale '' in the list of transactions and I called to inquire about it. The representative suggested I sort the history " by loan '' and I will see that a loan sale is the transfer from one service provider to another and it will not impact my balance. Sorting " by loan '' did show the additional column of " balance '' which helped me understand that my balance had not been impacted by this loan sale transaction. 

Upon further review, I noticed that on 9 different signature student loans, my entire payment being made ( one lump sum payment made and spread across all loans ), 100 % of the payment was going towards interest only from XX/XX/XXXX to XX/XX/XXXX. 

For 6 years, ( a total of 68 payments ) my payments were only being applied to interest. Over that period of time, I paid {$17000.00} in interest only while my principal balance was not impacted. I checked my wife 's account with Sallie Mae/Navient as well as my own Stafford loan I also had through this company and these loans were not treated the same way. 

My Stafford loan payment application was roughly 85 % principal and 15 % interest for the life of the loan. My wife 's loan which is the same loan type as the 9 aforementioned loans of mine, had a payment application of roughly 50 % principal and 50 % interest and had increased to roughly 75 % principal and 25 % interest later on in the life of the loan. 

I was never educated on my loan payment application percentages and I never gave permission for interest only payments for the period of XX/XX/XXXX to XX/XX/XXXX. I never made any changes on or after XX/XX/XXXX to payment application percentages. The company made these changes on their own accord without my knowledge. 

This has caused me to overpay a large amount of interest. With my principal balance not changing for 6 years, the interest on XX/XX/XXXX and after XX/XX/XXXX was based on a much larger principal than it would have otherwise been, had the payments been properly applied to both the principal and interest.
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

On many many occasions we have contacted the finance company and gap Insurance company to try to resolve the issues and each and every time has been a failed attempt to correct. In XX/XX/2014 we purchased a XXXX from XXXX XXXX in XXXX NC and within a short period of time the vehicle was totaled in a car accident on XXXX XXXX in XXXX which for starters wasn't our fault and in the process of the insurances handling their business we somehow ended up with a {$600.00} +/- fee on our hands. Ironically enough we purchased a 2nd vehicle from the same dealer just a used car this time instead of new and the issue of the outstanding balance came up and we financed the extra and it never was applied and it is now on our credit reports and when I disputed it with XXXX after all these years it somehow went to {$780.00}. Then the used car we purchased we had for roughly 3 years or so and it got totalled as well and it was also fully insured and had gap coverage as well and somehow we got stuck with a {$6800.00} balance which is now on our credit reports. My wife got them to remove it on her XXXX but it still shows on her XXXX, and it shows on both for mine. We really don't see why we are the ones being shafted when we took all the proper steps to make sure we were covered in case of these types of events. I/we own a business now and these type of problems are really holding me back as lenders look at this as a repo. We really need some resolve. Thank you.
Consumer complaint received 2019-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing this complaint as my other complaints against the credit bureaus and XXXX XXXX  continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and XXXX XXXX report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative  items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over 50000 I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and XXXX XXXX and only TransUnion said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BBVA FINANCIAL CORPORATION (TX)

Simple bank did not resolve my dispute from purchase where someone stole my money and would not give it back. I had called them because the situation is as followed : I was paying a person off cash app for goods that i was suppose to receive. I ended up typing the cashtag user name incorrectly by 1 letter by accident. I called XXXX  and they sent me a message saying i had to dispute the charge with my bank  because the money came straight off my card instead of cash app balance. XXXX  cash app sent me an email about this and I forwarded that email to Simple bank and they told me they basically couldn't do anything for me after waiting for 16 days. I had to threaten them with CFPB complaint then they got me a response instantly telling me I couldn't be helped and i wasn't getting my money back. I have already emailed them again almost 20 days into this back and forth and all they keep telling me is now i have to wait another 14 days to get another answer.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX  is held liable as well for defamation and in the state of FLORIDA allows for serious fines .XXXX XXXX is not HIPAA-compliant I fail to see where XXXX XXXX is in compliance with FLORIDA LAW. XXXX XXXX has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!