davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. company name : XXXX/ Dates : XX/XX/XXXX and XX/XX/XXXX. 

Remove immediately, this is in violation of the FCRA
Consumer complaint received 2024-08-13
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: Experian Information Solutions 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.
Consumer complaint received 2023-07-06
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (GA)

I was on vacation in Fl when Cash App closed my account this was XX/XX/XXXX. They claimed I was in violation of their terms and conditions. I have chatted with several advocates to no avail. I have emailed and even talked to one advocate. I emailed my Picture ID and was verified. They finally said I had duplicate charges on my cash card. I dont even have a cash card. Please help.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc (FL)

I am dealing with a concerning issue involving AFFIRM, a credit company. An unknown person made a substantial purchase under my name through AFFIRM, which I only recently discovered through my checking account. This situation has been ongoing between AFFIRM, XXXX, and myself since XXXX of this year. Unfortunately, the issue remains unsolved and is still pending on AFFIRM 's end since XX/XX/2023. Despite my attempts to dispute the amount, AFFIRM keeps responding to my answers with another customer service representative. The situation is becoming increasingly frustrating, and I am hoping that your firm, CFPB, can intervene and force AFFIRM to answer a simple question about what was purchased. I urge you to take immediate action, as the issue has remained unresolved since XX/XX/2023. Thank you, CFPB, for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (IA)

My auto loan is through Bridgecrest and I do not receive monthly statements, only " recent activity '' is shown on my account. Recently I noticed that my payoff number, for my car, is {$2000.00} higher than a week prior! However, since they refuse to send actual statements, I have no idea why this happened.
Consumer complaint received 2023-05-09
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX I placed XXXX # XXXX with XXXX XXXX XXXX XXXX XXXX, and attempted to order 1 black /gray and 2 white t-shirt packs which qualified for free shipping {$9.00}. However, when I received the confirmation email, it only showed 1 pack of each and did not update to the 2 packs of white. So, I was charged the {$9.00} shipping.So, I immediately replied to the confirmation email to cancel the order, as I was going to re-order so the order qualified for free shipping. Then I received an email advising that my reply went to an unmonitored inbox and to use the form. So, I did, with in less then 1 hour of ordering and immediately after being advised of the unmonitored inbox. And again, advised to cancel this order. 

On XX/XX/XXXX I received a reply that its too late to cancel the order. So, I again reply to the form and requested a refund of the shipping {$9.00}. To date I have received no reply. 
On XX/XX/XXXX I submitted a XXXX XXXX XXXX XXXX XXXX XXXX complaint # XXXX, requesting the {$9.00} refund. 

On XX/XX/XXXX, after no reply from XXXX XXXX XXXX XXXX XXXX I disputed the {$9.00} with my XXXX XXXX  credit card ( XXXX ). 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX XXXX XXXX  account receivables department, advising that she had received notice from PayPal that I submitted for a chargeback. 

On XX/XX/XXXX, I called XXXX and advised her of XXXX  complaint # XXXX and my request for a {$9.00} refund. XXXX was not aware of my XXXX  complaint # XXXX and was not notified by her customer service department but agreed to refund the shipping {$9.00}. On XX/XX/XXXX I followed up our conversation with an email to XXXX re-capping our discussion and that the {$9.00} would be refunded. 

On XX/XX/XXXX I called XXXX XXXX  and advised that my {$9.00} disputed ( XXXX ) was resolved. 

On XXXX XXXX emailed me advising that she has been unable to refund the {$9.00} because the dispute was still pending with PayPal and that PayPal charged them a {$15.00} bank fee. 

On XXXX I called XXXX XXXX  and was advised that the dispute ( XXXX ) was closed on XX/XX/XXXX the date I initially called XXXX XXXX. XXXX XXXX  also advised they did not charge any fees and the {$15.00} was not from them. 
On XXXX I tried to close my PayPal account online but was advised I can not because a dispute case was pending. I called PayPal and spoke to a rep via the telephone and was again told I can not close my account because a dispute case was pending. 

On XXXX I called XXXX XXXX  back and was again advised that the dispute ( XXXX ) was closed on XX/XX/XXXX and that PayPal was notified that my dispute ( XXXX ) was closed on XX/XX/XXXX. 

On XXXX I tried again to close my PayPal account online but was advised I can not because a dispute case was still pending. I want my PayPal account closed.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX sent me a prepaid card after I paid my bill in 2021 because they thought I overpaid. I did not receive this card. Nevertheless the company readjusted the amount and found that they had sent more money back than they meant to and continued to harass me despite me telling them about their error. I continued to call and even reported them to the XXXX  because they put a delinquency of my credit report which is how o found out about them claiming I wowed them money as well. Additionally, I had closed the account after that one payment and they failed to close it for an additional 2 months claiming that they had no record on file even though I referred them a name and date on which I called to request my account be closed. I continue to sufferer financially because of XXXX mistake and would like it corrected. I have been denied loans and opportunities because XXXX failed to do due diligence of their records
Consumer complaint received 2023-05-09
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: TD BANK US HOLDING COMPANY (FL)

This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2023-05-09
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AL)

Over the summer after my change over to Nelnet from Great Lakes, I knew I was ready to begin making payments needed on my student loans. After the introduction of the SAVE plan, I submitted an application. From that point, I left pursuit of my graduate education and needed to resubmit to get out of the grace period afforded to me. I'd already previously been placed on the SAVE plan for my undergraduate loans with a payment of {$0.00} but needed to know what it would be with my new income and graduate loans in repayment. I resubmitted in XXXX and have now been put into administrative forbearance which makes me fully liable for the interest accrued on my student loans since XXXX. I asked specifically to be removed from from deferment/forbearance at the time of my application from my REPAYE to SAVE and have now been put back into forbearance which will cause more monetary hardship to my loan balance of XXXX XXXX.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Contacted company to close account because of the poor customer service. Paid the amount given my the customer agent I talked to. I was told that I owed nothing else and was paid in full. This happened in XX/XX/2022. In XXXX I was notified of a late payment on my credit for {$6.00} plus a late fee. How can I charged a late fee and have a late payment on an account that was closed months ago? For {$2.00}? I contacted the company to file a formal complaint and have not heard anything. This has to be against the law.
Consumer complaint received 2023-05-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-12-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (WA)

My medical bill at XXXX XXXX Hospital was paid to the caregiver by my insurer but the hospital mistakenly reported the bill as unpaid and sent it to collections at Gold Key Credit, who refuse to remove this incorrect information.
Consumer complaint received 2015-10-22
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NY)

Its been 10 days and counting that Rushcard left me with no access to my account. To make it worse the put my direct deposit into a card that was reported stole three years ago. I went to pay my bills and everything was rejected, My car ins cancelled. MY car pmt is due soon. MY cell phone is about to shut down and that not all I have no money and the gas in my car will last probably 2 more days. I believe that this company was hacked and they are lying about the accounts being fixed. I computer glitch does not take 2 weeks. Customer service number keep hanging up. I was following twitter to see what is going on. Rushcard says if you send a direct message that someone will call. I did that 3 days ago. 2 days I get a text saying someone from rushcard will contact me shortly. I have not heard anything. They keep posting that the problem is fixed, but I 'm still locked out of my account. I lost XXXX paycheck and money I had saved. I managed to changed my direct deposit to another account, but they are holding a lot of money, that no one know when it will appear. 
they also saying that he lost the money in investments, that rushcard is about to close and that in a couple of months we will receive all our money in a form of a check. I wanted to go to school in XX/XX/XXXX and I needed to hold my seat before the end of this week. Well that is not going to happened. I gon na miss out on going to school.
Consumer complaint received 2016-11-18
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (VA)

I received a RUSHCARD in the mail this week. I did not apply for the card. I 've tried contacting the folks at Rushcard XXXX and they insist they ca n't close the account unless I provide my date of birth, social security number and Email address. I refuse to give them this information. I will only release my full name and the card number. How do I get them to close my account without providing privacy act information?
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: AMERICAN EXPRESS COMPANY (FL)

American Express sent marketing information to my home address soliciting to my father, but they did not include the suffix so I thought it was addressed to me. It had pre-approved deals solicited to my name and I started applying for the credit card online. They did a hard credit check on my information then denied me. But I put in information that clearly showed that I am the XXXX, including my SSN.
Consumer complaint received 2015-10-23
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIGY USA CORP. (MA)

I defaulted on an auto loan with XXXX XXXX XX/XX/XXXX, XXXX claimed it was sold to them, then Main Street Acquisition claimed they purchased the debt. In XXXX XXXX, Main Street was compelled to delete its account from my credit report because they could not produce a valid assignment and/or proof they had the right to collect the debt. Immediately after Main Street deleted its account, XXXX XXXX XXXX began reporting the same debt claiming title to the same. 

By certified mail dated XXXX XXXX I demanded verification of ownership and the right to collect the debt. On XXXX XXXX, XXXX XXXX XXXX produced a copy of the original paperwork from XXXX, but no copies of any assignments or any other document substantiating, proving or evidencing their right to collect or report the debt to the collection agency. In addition, they are purposely omitting the last payment date information to the credit agency to make the debt appear recent when in fact the statute of limitation ran out on XX/XX/XXXX I consider the omission to be a fraudulent misrepresentation of the legal status of the debt in violation of the Fair Debt Collection Practices Act 15 USC 1692e ( 2 ) AFinally, XXXX XXXX XXXX 's attempt to brush off the verification of title ownership by merely providing copies of the original contract is clearly unresponsive to my request for verification of their alleged rights to collect or report the debt. If they are not able to produce evidence ( not a self serving statement ), actual documented evidence of an assignment, transfer or sale establishing a chain of title back to the original creditor, I demand deletion of their reporting to the credit reporting agencies.
Consumer complaint received 2015-12-22
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: FIRST CASH FINANCIAL SERVICES, INC. (CO)

I was double charged at an establishment and was told i could not get my money back. after, speaking with a higher up rep of the company i finally received XXXX of my payments back. Today, I went to pay my loan off and re barrow and now i am being told that i can not because i missed a payment. i have receipts for XXXX and XXXX payment. i contacted the district manager again. And this time i was told to leave the store and that was that. I explained to this person that i have receipts and he still would not honor what i had to say. at this point my contract is void because they did not hold up the end of the agreement on their end. the district manager also hung up in my face.
Consumer complaint received 2015-04-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (WI)

Debt collector calls me XXXX after another XXXX another and call my work phone to continuously. I ca n't take personal calls at work so I pick up and hang up right away. I 'm afraid of this continues im going to get fired.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Consumer complaint received 2015-10-27
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Utah System of Higher Education (IL)

I am paying only partial of my student loan and I was advised, by Cornerstone ( XXXX ), that i would still receive phone calls, that was fine, but I told them not at work. I have literally told this company over 50 times to stop calling me at work and call me after XXXX XXXX. I got so mad that I blocked the number. Now they are calling me from another number! I have told them every week this month to stop! They are being deceptive even though i have communicated with them and are paying something when I can. 
They call when my bosses are in my office and are listening to me tell them not to call me at work. They have forced me to discuss my personal life with my bosses because of this, which makes me look bad! I do not know how to get them to stop! I have been nice, angry and nothing works. I 've even spoken with a manager about this without a resolution. They promised me it was taken care of. 
They are going to make me lose my job if I keep getting debt collector calls while I am working. 
Please help!