davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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 have sent Experian many times proof that the XXXX/XXXX   account listed on my credit report is inaccurate, the last date of activity that Experian is reporting is different than what XXXX   and XXXX  are reporting, each credit bureau are reporting different dates, and that is not accurate at all. As a consumer I have a right to dispute these types of things, EXPERIAN keeps telling me that this account has been updated but when I look at the information on the account it is still the same, I believe that this is illegal because the FCRA has said that credit bureaus must delete all information on a credit report that isnt 100 % accurate. Also Experian is not reporting any high credit amount on this account and XXXX  is reporting XXXX, and another thing that is in accurate is, if XXXX  is also reporting this account on my credit report, why is EXPERIAN the only one reporting late payments and there are no late payments reported by XXXX?. And if my credit limit was XXXX dollars, how is it that I owe XXXX dollars, there is no way that I could go over my credit limit of XXXX dollars, this amount is incorrect.
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

On XX/XX/XXXX I called into Tower Loan to make a payment. The manager XXXX XXXX refused my payment because I asked her to post date my debit card payment for the XXXX. She told me to call back tomorrow for payment then but my credit score would reflect XXXX  days late payment. My due date is the XXXX. So I told her that would be illegal because XXXX  days would be the XXXX. She hung up on me. I called back and spoke to another employee and asked her to make sure they documented that XXXX refused my payment and threatened to report me XXXX  days late. Manager overhears conversation and decided to let the employee take my payment. Well I check my report and she hit my account with a balance increase for the interest! I wasn't even XXXX  days late a whole {$98.00} which caused my credit score to drop. I have had loans with this company before and others and have never had anyone report a balance increase because of interest and not being late. Can you please investigate this. It took a Sr. Regional manager XXXX  days to respond to my calls after reaching out to other branches and inquiring on their reporting procedures where I was told they only report late payments. Please help I feel this is very unfair. When I was never informed they would report BALANCE increase over interest.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I recently had my school loan transferred to Nelnet. Now, because I had a previous account, which the system recognizes, I have not been able to log on. I took the time to retrieve my username in an effort to reset my password. However, the system did not send the username thus I was at an anpass. I called Nelnet and typically you are on hold long enough that I had to hand up because I needed to attend a meeting. I think both times I called I was on hold for about an hour. I emailed the company with very detailed information because I am a XXXX XXXX and know the terminology. I received a XXXX email instructing me to attempt to retrieve my username. This means either they did not read my email or they outsourced their support department to someone who does not understand XXXX. Either way, I have been waiting for a response from them for XXXX XXXX weeks.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

On or around XX/XX/2023 I rented a room at XXXX XXXX for one night-twice. I was refused service based on class and skin color so I canceled the room with XXXX and was promised a refund by the motel and XXXX for both bookings. To this day I have received only one of the refunds and XXXX is fighting for me, but my bank is refusing to give me my statement, stating that although I did get charged twice and only got one refund they do not provide statements for canceled or denied transactions. Now I can not get my second refund because XXXX needs my statement with both transactions listed to prove I did not get both refunds and my bank is refusing. Now my bank is stating my dispute was never filed even though I have an email stating it has.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TN)

I reached out to this company in XX/XX/XXXX XX/XX/XXXX. I also went to the original debtors office with the account # I had at the time I lived in the XXXX XXXX XXXX XXXX and was told by the management team that I did not have an outstanding debt. The manager of the office called while I was there and spoke to someone who advised they will rectify the issue and no debt was owed. I also disputed this balance with all 3 credit bureaus and it has only been removed from XXXX.I called today and get the same message each time I call I need to speak with someone in " support services '' and the office is closed. This company is reporting this debt and I don't owe it and this needs to be removed from all 3 credit bureaus not just one.
Consumer complaint received 2018-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (NY)

USI solutions, inc from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.
Consumer complaint received 2023-10-02
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. (NY)

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 XXXX5 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 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION (VA)

I had fraudulent withdrawal transactions take place on my account on XX/XX/ and contacted the credit union on XX/XX/ to take care of it. I have submitted everything including a police report and they have been non-compliant and dragging out the process to rightfully return my money. I have been calling every week and learned on XX/XX/ that credit union never even bothered to file my case for the fraudulent withdrawals .... It has been close to a month now and my {$950.00} has not been returned yet... The entire process should have not taken more than five business day to complete...
Consumer complaint received 2023-10-02
Product: Credit reporting 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. (MI)

Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing information.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NM)

I received a notification on my credit report stating I owed this collection company called Wakefield and Associates money. They have never spoken to me or mailed me anything and they put this on my credit report without talking to me. I don't recognize them and don't even know what they are trying to claim I owe them. I don't even have a way to contact them because they have never contacted me.
Consumer complaint received 2023-10-02
Product: Credit reporting 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. (IL)

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-04
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: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal has reported XXXX late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/XXXX 2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX Student Loans... Correct payment % to reflect 100 % not 39 % due to natural disaster. In the report details : Times 30/60/90 days late 0/0/13 is inaccurate and should reflect Times 30/60/90 days late 0/0/0. 13 late payments should not be reflected in this field. Worst payment status should reflect Current. Term should be 0 month. XXXX Currently on-time ; 13 Missed should not be listed? 0 % paid off should be listed. XXXX and XXXX has the correct payment history % correct at 100 % and does not have impact to my credit payment percentage.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (GA)

I file a dispute with cash app on XX/XX/2023 when I was sleep at a friend house when I had some information stolen in my phone pouch that some money was taking from my cash app account I file a police report and cash app still disregarding my dispute still have not resolve my issue I have another transaction for {$85.00} that was taking from my account when I got home I had emails saying the transaction could not be processed and cash still have not provided me with any documents
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Cashapp has a negative balance on my app. They are accusing me of declined transactions from my bank. My bank was link to the App. I never kept on balance on the card. I used the cash out option on the app to transfer the money to my BANK acct. On XXXX XXXX XXXX  I performed several transactions. The cash app recipient was paid and no transactions were declined by my bank. Cashapp denies this. They referred me to my bank. My bank confirmed all transactions actions paid and proved copies of my statements. I sent this proof to cashapp and they refused to accept it. Please help me get this negative balance removed.
Consumer complaint received 2022-12-09
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MO)

I discovered a fraudulent purchase on my Apple/Goldman Sachs credit card that was made overnight while I was sleeping. I immediately checked my Apple ID and subscriptions to confirm that nothing was charged overnight that should have been charged. After some quick research, I verified that the transaction was fraudulent and I requested an Apple Card/Goldman Sachs customer service representative to help me remove the charge.

Apple Card/Goldman Sachs provides two methods to contact customer service - a phone number, where customers languish on hold for more than XXXX hour, and a chat service through the XXXX service. Customer service representatives can not be contacted through either method, and it is clear that the system is designed to prevent customers from being able to speak with representatives. 

I opened a chat to share XXXX screenshots with customer service to show that the charge on my credit card did not originate from my XXXX account. These XXXX screenshots are attached to this complaint. I sat on the customer support chat for three-plus hours and I received no response from Apple/Goldman Sachs . I also tried to call the phone number for support and have yet to be able to reach anyone. Meanwhile, I will be charged interest for this fraudulent purchase, which is something that I believe Apple Card/Goldman Sachs has done previously because it takes them so long to remove charges from accounts. 

I do want to point out that this is a frequent pattern for Apple/Goldman Sachs . My card information has been stolen several times, despite the numbers allegedly changing every XXXX  days, and every time I have to report fraud, it is a taxing and exhausting experience. It should not be this difficult to remove a fraudulent purchase from a credit card account.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing information.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have inquiries that I dont recognize and I call the company and when I speak to a customer service they said someone is going to get back to me and they never do Name of the company is XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company run my credit the same day I dont recognize them and the day was XX/XX/2021
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (AZ)

I must have used my card at a compromised payment terminal ( i.e. credit card skimmer ) sometime in XX/XX/XXXX. This week ( beg on XX/XX/XXXX & continuing thru XX/XX/XXXX ) my entire cashapp bal has been drained & now overdrawn. Cash app allowed transactions from 7 different suspicious merchants that I've never heard of ( 32 charges totaling {$840.00} ). Cash app denied my dispute even tho some charges came in after the card was reported compromised. Many of the charges are duplicates that came in within 2 mins of an identical charge. Cash app sent docs of the denial of claim that showed the charges I was disputing hit the new card ( issued on XXXX after I reported my other card as compromised ). I didn't have the new card nor knew the new #! I have been given a repeated run around from cashapp support. 


Here is a list of all of the fraudulent transactions : XXXXXXXX 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 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 2018-05-03
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. (FL)

I filing this complaint, XXXX, XXXX, and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and provide me with the documents with the original signatures for the numerous fraudulent, unauthorized inquiries that are reporting on my consumer credit reports/files.
Consumer complaint received 2023-10-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/23 a credit card was opened fraudulently under my name at XXXX. I contacted Comenity Bank when I received the statement in the mail to dispute as fraud. At the time, they told me other credit accounts were attempted to be opened under my name but declined. They then opened an investigation. On XX/XX/23 I received a collections call from Comenity regarding this account. When I told them that I disputed this account as fraudulent, they told me their investigation came back inconclusive due to the locality of the transactions and so the charges were deemed collectible. The charges made were across the states of NJ and NY, all not by me. The card was maxed out within a week or XXXX and I was only made aware of the card ever being opened when I received the first statement in the mail. I do not agree with the findings of Comenity Bank 's investigation and maintain that this is a fraudulent account and I never opened a credit card or authorized purchases at XXXX in any of the localities per the investigation report. I have requested a copy of Comenity Bank 's investigation report and am waiting to receive it.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AL)

The information is incorrect from this company. I cancelled this in-home telephone system when I was informed that Internet was not going to be available through XXXX XXXX XXXX XXXX I did not use this system and when I notice that the money was being taken out of my checking account. I contacted this company again informing them that I wanted to have internet and wifi and they could not give me the service that I needed. Hence, I informed this company that I needed internet and wifi in the beginning. I did not need telephone service without internet. 

Your information may have changed since XX/XX/XXXX View your current credit report Account info Account nameI C SYSTEM INC Account numberXXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$630.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$630.00}