davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (CT)

I have been working with GM Financial over the tax bill for my leased ( now purchased XXXX vehicle for taxes incurred in XXXX. I did not receive any notification or paper work in regards to this bill from GM Financial and all of a sudden had debt collectors calling my phone. I responded immediately and spoke with representatives on XX/XX/XXXX and they promised to send the requested paperwork along with all tax forms dating back from the start of the lease. To date I have not received the promised paperwork and received another call from the debt collection agency today. I promptly returned there call and advised I still have not received the required paperwork of proof to pay this bill. I was advised they may not be able to now send me the paperwork and was also unwilling to keep the account on hold even though they could not fulfill there obligation. Due to there negligence and uncooperative nature I will be subjected to my credit being affected. This is an immoral injustice and as a tax paying citizen I have a right to see every tax related bill I have paid and will pay. Please help, thank you.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC (FL)

In XXXX of XXXX I had taken out a loan with Kashable Account # XXXX in the amount of {$2500.00} which was to repaid via payroll deductions. This was a service that was offered to XXXX XXXX. The installment payments were to be in the amount of {$120.00} a pay period ( bi-weekly ). However, in XXXX of XXXX I became sick with XXXX XXXX and had to take an early retirement form XXXX XXXX. As a result of my illness I was not able to make my payments and was not able to contact Kashable until XX/XX/XXXX. At this time I offered to pay Kashable {$50.00} per month until the loan was paid off. This payback offer was accepted and a new agreement was signed for this payment plan. The first payment was due on XX/XX/XXXX ( Direct Payment ) and since that date I have not missed a payment. 

The problem is that Kashable has consistently show me 30 days late each and every month causing my credit score to be affected. I have tried to have the credit reporting agencies attempt to get this corrected but I have had no luck. I have also contacted Kashable directly and they have stated that although we have a new payment plan I am still late in making the original loan payment. I have a signed new payback agreement from Kashable accepting the new payment plan and have lived up to my end. 

I have contacted other companies that I owed and they worked with me to reduce my payments and adjust my credit. Kashable should at least reflect my account to show " Paid as Agreed ''. This has had a very negative impact on my credit score and needs to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (TX)

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
769.62 % {$4700.00} {$700.00} {$5400.00} Your Payment Schedule will be : Number of Payments Payment Due Payment Date {$160.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX Called in to try to pay the loan early and they didn't let me. They mentioned that I'd have to pay the whole interest.
Consumer complaint received 2019-04-15
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: SYNCHRONY FINANCIAL (WV)

On Monday XX/XX/2019 I made a payment of {$100.00} that was credited to my acount immediately. Then on Wednesday XX/XX/2019 I made a payment of {$6000.00} from the same account. I tried to use the card on Friday and the card was declined. When I looked up my account it showed that I had {$0.00} available to spend. I called customer service and they informed me that my credit line would not be available until Friday XX/XX/XXXX. The electronic payment has already cleared my bank. They told me that it would take 7-10 business days for my payment to clear which I feel is ridiculous. Now I can not use my card and I do not have the funds in my account.
Consumer complaint received 2020-03-24
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)

Dear CFPB Staff, Equifax has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ]  concerning a fraudulent account being reported on my Equifax Credit Report titled " XXXX XXXX XXXX ''. 

Equifax has refused to perform actual investigations. Equifax has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And Equifax has hurt myself and my family financially because this. 

Equifax has continues to address this matter, and the Equifax phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation Equifax have demanded multiple times these past two years. Equifax refuses to address this as well. 

In CFPB Case # XXXX Equifax even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the  CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of Equifax has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation Equifax 's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted Equifax permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as Equifax 's employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on Equifax 's part as a reason not to address this matter.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OH)

I submitted a complaint ( XX/XX/2019 ) against Citi for opening an account when they disallowed my acceptance. Feedback from Citi ( XX/XX/2019 ) accepted my terms to close the account. I received a letter from Citi, explaining the account has been closed ( XX/XX/2019 ). I received a statement a month later ( due date XX/XX/2019 ). Allowed this statement, giving the company time to get their records in order. However, I just recently received another statement, due date ( XX/XX/2019 ). Citi did not abide by the agreement. The account is still open.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I am writing to request your help. WELLS FARGO BANK is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX Status : Closed/ Charge off /Date opened XX/XX/XXXX Bal {$150.00}. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OR)

MoneyGram refused to process my online payment and closed my account without explanation. My XXXX hired a XXXX  XXXX  in XXXX to provide online lessons. She requested to be paid via MoneyGram. This is my first time using MoneyGram. I signed up for an online account and attempted to send {$60.00} USD in payment. Not only was my payment denied, but my account was closed without explanation. This is weird, because my credit score is close to 800, and I have experience sending money through XXXX, XXXX, XXXX, and XXXX without any problems. There was no attempt by MoneyGram to ask for additional identification or have me clarify any details. This makes it difficult to pay the coach, because she doesn't use the aforementioned services. I contacted MoneyGram customer support and the employee asked me a couple of basic questions, such as " Have I met this person in real life '' and " How did I meet this person. '' I told her she gives lessons over the Internet via XXXX and I found her through XXXX where she had submitted her resume. I was only sending a tiny {$60.00} USD. There was no need for alarm bells. The employee told me that the payment had been denied, my account closed, and this was irreversible. I asked for the company mailing address and the registered agent for the State of Oregon ( a requirement to do XXXX  in the state ) and she refused to provide this basic information. Later that night I drove to Walmart and sent {$120.00} payment via MoneyGram to the same person, XXXX XXXX, without any problems ( I paid her for today 's lesson and prepaid for next week 's lesson, since the fee was the same ). The reference number is XXXX. MoneyGram was happy to take my payment and charge me a fee in person, without any issues, but they refused to process my payment online and closed my account without explanation. Does that make any sense? The fee in person is also {$4.00} higher than the online fee and it cost me time and gas to drive to Walmart, potentially exposing myself to the coronavirus. I went onto the XXXX  website and saw similar complaints to mine. MoneyGram currently has an F rating. A lot of people are experiencing problems with this company.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

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. 


XXXX XXXX XXXX XXXX {$75.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$140.00} .... violated my rights. 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have file 4 disputes to XXXX  and Transunion about a bankruptcy that is not mine but it keeps coming back verified. The address that reports the bankruptcy is a address I never lived. I called the Bankruptcy court in my city and they informed me they do not give out information to the credit bureaus so I asked XXXX  and Transunion their method of verification of how this debt was proven to be mine. XXXX could not verify that this bankruptcy was mine and therefore deleted the bankruptcy from my public records, so how XXXX  and Transunion were able to verify such thing. This experience has cost me homeownership because this is not my bankruptcy and I have no documents from the court stating I filed bankruptcy. I have included a screenshot of XXXX  public records section showing none.
Consumer complaint received 2020-03-24
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: Experian Information Solutions Inc. (SC)

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX  showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Consumer complaint received 2020-03-24
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have disputed an address on my report that I have never resided at, the address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX and the credit bureau Equifax continues to report it, On my other credit reports no such address exist with my name attached to it..I would like this address deleted from my Equifax credit report
Consumer complaint received 2022-12-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

Experian refuses to let me dispute an account. They said by law and they cite the law, I can only dispute something one time. 

They have an account on my credit report that was sold to a collection agency 2 years ago, however the account is still listed under the original account holder. 

I want the account holder who sold the account added to my report as that would CORRECT credit reporting and the new owner listed. Therefore I can contact the new owner to resolve this. 

As it stands now the current owner, has no record of this account and have since been mailing me offers of new credit/catalogs. 

Experian seems to be the XXXX XXXX XXXX XXXX, that does what they want and makes up their own illegal rules and they do not comply with Federal Law.
Consumer complaint received 2020-04-03
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. (SC)

am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2020-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CA)

I requested a deferment on my loans due to the COVID-19 pandemic. Since this has brought on extreme financial hardship to me. My expenses have increased and it has affected my budget. The loan company AES has denied my request for forbearance.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (FL)

I was declined of a credit card XX/XX/XXXX. I then ordered my credit reports. On my Experian report, I noticed harmful/ fraudulent information. I investigated and found identity theft by the name used XXXX XXXX on financial contracts that were signed XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX for {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. This account/ patient was charged for a procedure that never took place w/ NO patient medical release from XXXX. A premedical exam was shown to done w/ NO additional medical labs work, NOR any medication delivery. 
My name is XXXX XXXX NOT XXXX XXXX as reported on this account by XXXX XXXX aka XXXX XXXX ( Experian credit reporting ) as ACCURATE INFORMATION by Experian. 
I disputed this information by phone, mail and online with Experian XX/XX/XXXX, file # XXXX with proof of my ID of identity and fraudulent account. Experian was contacted by phone, mail, online dispute received of my ID, police report of ID theft XX/XX/XXXX, case # XXXX, FTC theft report # XXXX and contact was by mail and phone to both XXXXXXXX XXXX XXXX XXXX of fraud/ ID theft. 
To NO prevail, Experian continues to report fraudulent, ID theft and inaccurate information as " VERIFIED AND ACCURATE. NOTE : Experian along with XXXX XXXX is in multiple violations of the Fair Debt Practices. 809. Validation of debts : 15 USC 1692g ( 1 ), ( 2 ), ( 3 ) & ( B ) 804. Acquisition of location information:15 USC 1692c ( 1 ), ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It is now with due diligence that government intervention is necessary in these fraudulent, credit harmful information.
Consumer complaint received 2020-03-24
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. (AR)

Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX  XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Transunion has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In addition Transunion failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Transunion has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Transunion should be held accountable for violating the Fair Credit Reporting Act.
Consumer complaint received 2022-11-05
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)

This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.