davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NV)

Back in 2017 I was the victim of a fire. My apartment caught fire and I lost many personal belongings along with furniture, clothing, electronics, etc. After all that I was very depressed but wanted to make sure I notified the appropriate parties of the issue I had. One of the companies I notified was XXXX. I told them that the equipment had been burned in the fire. They told me " Ok, no problem ... we will go ahead and waive that box fee '' when I asked them if there was anything else I needed to do they said " No, everything is taken care of '' and I was " good to go ''. I did not need to get the service again so I was under the impression that this issue was resolved. Unfortunately a while later I realized that they had sent me to collections. So I called XXXX back again and the person who I spoke to told me that they didn't waive the box fee and that I had to pay and the person I spoke with was incorrect. I didn't think that was fair. The original person I spoke to at XXXX told me they would waive it and I would not have to worry about it. And it doesn't make sense why should I be responsible for something that got burned in a fire? This was not my fault. Now it's on my credit and it is damaging my XXXX score.
Consumer complaint received 2021-09-30
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: CL Holdings LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ... JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-09-30
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: National Credit Systems,Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NJ)

I have had my credit card with XXXX commenity for years I have never been late with a payment I have never missed a payment. For no reason my credit limit was dropped from XXXX to XXXX when my bill on the card was XXXX making my card maxed out and lower my credit score and increasing my debt to income ratio when I attempted to resolve this and find out why they stated that they review accounts and can lower credit limits at will when I asked why they lowered it to the point that it maxed out the card they stated there was no way for them to have knowledge of how their decision affected my credit which is ridiculous they knew exactly what they were doing
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX ACCT XXXX XXXX, h

as violated my r ights. 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.
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I took out a loan with ACE Cash Express for {$2000.00} on Friday XX/XX/2022. 
I paid back {$1500.00} in principal on XXXX/XXXX/2022. 
I made a scheduled payment of {$410.00} on XX/XX/2022. 
I called to pay off the loan on XXXX/XXXX/2022 and owed {$810.00} to pay off the remaining principal, interest, and fees. 

The total in fees and interest totaled {$720.00} for 42 day {$500.00} net loan.
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

Bought my new Kia in XX/XX/XXXX, started first regular payment XX/XX/XXXX. I have been making double payments to Kia Finance every month up until XXXX. Every month I called and asked the overage to be applied directly to the principal because I was told I HAD to call or they would not do that. Turns out they were not doing that anyway. I have a log of all my calls and who I talked to and I even told one of them in XX/XX/XXXX that I did not believe my payments were being applied correctly and she rudely told me I just did not understand and was wrong. I kept making my payments though. Fast forward to XXXX and I am looking to get rid of the car because of some issues, the dealer tells me my next payment on my car is not due until XX/XX/XXXX. THIS MEANS MY PAYMENTS WERE NOT GOING TO THE PRINCIPAL! They were just advancing my payment and applying it to the total loan even though that is NOT what I asked them to do. I have a log of everyone I spoke to and what day. I KNOW what was said. I then spoke with a supervisor on XX/XX/XXXX who assured me they would pass this issue on to the payment department, ( who by the way they will not let customers speak with ) and that I would have it fixed in a week. It has now been two weeks. I called again on XX/XX/XXXX and was told my concern would be escalated and I would be sent an email when they fix and adjust my payments. STILL zero communication from anyone and the issue is not fixed. Not to mention when I add my payments up, money is missing and every time I asked about that, they changed the subject and would not answer. THIS COMPANY IS HURTING CONSUMERS. They are blatantly trying to make us feel XXXX and confused so that they can apply our payments wrong and take more of our hard earned money. Kia Finance should not be allowed to continue in this way and I want someone to ACTUALLY help me and not just say they sent a request over. Even the dealership said they were applying my payments wrong, but every time I called they assured me they were. I literally have no ability to even help myself as this company continues to XXXX me over. There is no transparency and no way to see where my missing money went. I am at my wits end. Please help!
Consumer complaint received 2022-08-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights 15. U.S.C. 1681 Section 602 A- states that I have the right to Privacy. 15. U.S.C. 1681 Section 604 A Section 2 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below XXXX XXXX  BANKRUPTCY - ACCOUNT XXXX XXXX  XXXX -ACCOUNT # XXXX XXXX XXXX XXXX ( ORGINAL XXXX XXXX )
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have disputed the inaccurate reporting made by Portfolio Recovery Associated XXXX to XXXX numerous times. I have provided proof. Submitted letters requesting proof of contract, documents on file that were used to confirm proof of debt, etc. Both XXXX and Portfolio Recovery Associated, XXXX are still furnishing inaccurate information despite my efforts to remove said account for false reporting. I have attached the proof they sent which does not align with the amount they are furnishing, yet, the item has still not been removed from my report when the statement included has a completely different amount owed. I have also attached all documents provided to XXXX to prove and dispute the inaccurate reporting.
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I was suppose to have a delivery on XX/XX/XXXX from Best Buy they used ups for the delivery service. They say before delivery on XX/XX/XXXX I got an email saying my items would be delivered XX/XX/XXXX between XXXX and XXXX since these items were very expensive I wanted to make sure I was going to be home and I typically didnt make it home until XXXX so I called ups to see if I could re schedule the delivery time and explained I wouldnt be home until XXXX they told me that It would be fine that the items would arrive around that time and that if no one was home to sign for them they would bring them back to the warehouse. The next day at XXXX and e-mail was sent that these items were marked as delivered I wasnt able to see the email until XXXX because I was working. When I got home around XXXX i didnt see any items so I thought well they brought them to the warehouse like the said I contacted ups directly after submitting online I hadnt received the packages because I waited a little bit longer to see if they would bring them back by. I was informed by the ups agent that they had my packages and I had to contact Best Buy. I contacted bestbuy and I kept getting that they were investigating and then that I would be getting a refund because they couldnt locate my packages. I received one refund for the one time but not the second item that was with it. I contacted ups and Best Buy multiple times finally ups called Best Buy with me and said they sent over claim paperwork the Best Buy agent said that they would refund me. I never received a refund finally a corporate worker named XXXX from Best Buy contacted me after I made a report against them through the better business bureau and he informed me they wouldnt be refunding me and that I would have to contact my local law enforcement. Which I had already given them A police report. I contacted ups in hopes since this mess started with them they would help unfortunately they said they are in contract with Best Buy and wont refund me I have to go through Best Buy. Which I tried and they are refusing to refund me. I never received my product and ups is trying to refund me bust Best Buy isnt doing their part and its been XXXX months I submitted all of this information to the credit card company as well in hopes they would do a charge back or dispute and the have denied me even though ups informed them of the issue as well.
Consumer complaint received 2019-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

At XXXX XXXX they called requesting payment as it was due on the XXXX.  I let them know I will be paying the bill on the XXXX when I get paid, I asked for them not to call me again before the XXXX. At XXXX XXXX they called again requesting payment and wanted to know why I cannot pay today.  I let them know again that payment would be made on the XXXX, please do not call me again, I am at work.  At XXXX XXXX they called again, I told them if they do not quit calling me that I would turn them in.
Consumer complaint received 2019-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/XXXX at XXXX XXXX., I recieved an e-mail from Western Union saying my Money transfer is being reviewed.  When seeing this I thought, this must be a scam email because I never sent any money and hardly use Western Union.  I received a secondary email shortly after, XX/XX/XXXX at XXXX XXXX., saying my transaction must be further escalated for review.  At this point, I decided to call Western Union and find out more.  It appears as though someone hacked in to my Western Union account where my banking information was saved and attempted to send $XXXX to XXXX.  I was transferred to the fraud department where they asked me WAY too much information such as my bank account information, my address, etc.  She said not to worry, transaction will cancel and  I will be refunded. I proceeded to remove my information from the Western Union website and change my password.  I then called my bank and notified them as well and made a claim.  I waited the 7 Business days western union recommended for a refund and never received.  I called back on XX/XX/XXXX and they told me the amount was already refunded to my account. I called again and they told me oh we will need you to send a copy of your ID.  I refused because at this point  I do not trust the company!  I received more emails asking to send a copy of my ID so that they can finish the TRANSFER to XXXX.  I refused to send my ID for both those reasons. One i do not want the money to be transferred, two I do not trust Western Union is doing their job correctly and is misleading me.  I checked my bank again multiple times and did not receive a refund.  I called my bank and they assured me not to worry as my claim is already completed through them.  As of today, XX/XX/XXXX, I still have not received a refund, BUT, I received an email from Western Union again saying my transfer has been completed and is available for pick up for the receiver in XXXX.  At this point I have become Enraged.   I logged on to the website, it shows the transfer is complete and the receiver should bring in ID to pick up the money.  I chatted with a representative at western union who told me not to worry, the money is not available for pick up and the refund process has started and will take about 7 business days.  So now, we are back to them saying 7 business days.  I have been hearing so many different things.  I am missing $XXXX from my bank account, and western union has not given me one straight answer from the start.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

Letter sent to from Weltman Weinberg & Reis saying I have account out standing with XXXX XXXX XXXX this account is 15 years old.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Cash app automatically cashed out money sent to me so they can take a service fee charge but I did not have that authorized nor did I want the money automatically placed in that account. I had turned it off and cash app did not recognize this and automatically charged me a fee and sent money to my bank account. I was supposed to have {$1000.00} and cash app took a fee and only deposited {$1000.00}. I did not want this service and Im only asking for a refund and the amount to be returned to the cash app account, but they refused and their customer service is awful.
Consumer complaint received 2022-08-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (DE)

AT YHE TIME I HAD MY ACCOUNT MY WIFE AND STARTED TO NOTICE THAT OUR ACCOUNT WAS IN THE NEGATIVE OF XXXX XXXX OF XXXX AND WE WOULD HA E TO PAY IT WHEN EITHER HER OR I RECEIVED OUT CHECK
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NC)

i purchased a car in XX/XX/2021 through enterprise car sales. Financing was also through them using Santander. XXXX messed up the paperwork for title, tag and registration resulting in the purchased car to be parked until its fixed. After a DMV inspector had to step in, he found XXXX  at fault for everything. XXXX has said they are working to resolve the issue. I paid my first 2 monthly santander loan payments before stopping because Its like I dont even own the car die to XXXX  mistakes. Now Santander is threatening repossessing if I cant bring the account current. They call at all hours of the day and have asked me to go borrow money from a family member or friend for payment. I have been hit with every fee they can possibly stick to me. I believe that Santander issued the loan knowing that default would be likely. Its almost XXXX and I still cant use the car due to XXXX XXXX XXXX and Santander doesnt care.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

I was told at the end of last week by the loan officer at Arvest Bank & Central Mortgage Company that he could obtain pricing of XXXX % with a XXXX % lender credit ( rebate point ) if I completed my application. I completed my application on XXXX of this week but he was only able to pull XXXX  and XXXX   credit scores because I had credit freeze on XXXX. He was able to pull XXXX XXXX XXXX yesterday when the pricing had not changed. He was asking some questions about the loan balance, but, since I had completed my application I thought I was locked. He told me this morning that he did not lock my loan and that the rate and points now had gone up and instead of paying me a XXXX % lender credit ( {$450.00} payable to me ) he now was charging me XXXX % ( I have to pay {$900.00} ) .I am now out {$1300.00} and he never once told me that even though I had completed the application and he had been able to pull all of my credit scores that my rate was not locked. Please help me.
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.