davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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 reached out to Best Buy on XX/XX/2023, after multiple failed attempts to reach merchant. Purchase was for a vacation membership. Cancellation policy requires that customer reaches out to merchant via phone number to cancel. However phone number is disconnected, therefore could not cancel. Started dispute with Best Buy Credit card, in order to get refund, as the contract stipulations were not being met by merchant. On XX/XX/XXXX, the dispute was settled in my favor, in the amount of XXXX. XXXX days later Best But reopened the case and reversed my payment, on the grounds that the cancellation policy was not followed. I have reiterated on multiple occasions that I couldnt follow the typical cancellation policy, because the merchants customer service line didnt exist. Best Buy didnt seem to care. Im not the only customer that has the same complaint against the merchantXXXX XXXX XXXX XXXXXXXX. A review of their XXXX would back up this statement. This has been going on for months. I simply want the money I am due.
Consumer complaint received 2023-08-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Williams & Fudge, Inc (MS)

The loan is currently with William & Fudge Collections. They aren't able to produce any signed documents stating I put in for the loan. Even if they did, and I wanted to pay them off, they still want me to pay 80 % of the bill and are holding my transcripts until then. I want to go to school. Please help. This has been going on since XXXX the debt is from XXXX and I still can't go to school!!
Consumer complaint received 2023-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial (TX)

We did not apply for a loan at all and received {$0.00} funds. They have txted my husband on my phone to collect first payment. When we called automated system said we had a zero balance. When transferred to a live agent he tried to collect {$250.00}. Payment due. When I called it a scam he wanted our vital info to proceed with a claim. 

Call XXXX for a dose of the same!
Consumer complaint received 2019-08-03
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: EQUIFAX, INC. (IL)

I asked the credit agency Equifax to contact my student loan compies and inforn them that they were reporting all my loans as past due for the years XXXX both loan companies and Equifax have not corrected the student accts with past due payments. the acct should be currect and in good standing due to forbearences and deferments for all four years, current till this day.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo approved me for a used car loan back in XXXX. I had full coverage insurance thru the time of the loan but Wells Fargo still charged me for GAP coverage which caused me to fall behind on my payments. This resulted in some negative marks on my credit report. There was one month I had changed over insurance I believe to be in XXXX and picked up new insurance a month later. However Wells Fargo charged me the full GAP insurance and never gave me credit as to having insurance. Wells Fargo also misapplied some of my payments due to this GAP coverage they were adding onto my loan and caused me to fall behind and caused repossession request which again caused a negative against my credit report. I had the loan for a total of about 4 years ( XXXX ) and due to the negative reporting it caused me not to be able to get financed to purchase another vehicle. It started in XXXX and continued thru the life of the loan causing me to loose about {$3700.00}. Due to the misapplied payments and billing me for GAP insurance caused my loan to increase even more than what I originally was approved for. This caused me to turn upside down in my car loan with Wells Fargo and resulted to me buying a buy here pay here car that ruined my credit and I am still suffering from it now. This caused me to go into a deep XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You
Consumer complaint received 2023-08-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (IN)

I have a payment plan scheduled for the XXXX of every month. I have explained my financial situation and my inability to pay more. The company calls me repeatedly every day from several numbers, emails me and has contacted my employers several times even with a payment plan in place. 

After informing the company that I do not work for a previous employer they continue to contact them as well as my XXXX ex partner, divulging information as to where I am currently living and my current phone number.
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MS)

I recently completed a direct consolidation with the Department of Education to enroll in the Public Service Loan Forgiveness Program. After consolidating and beginning payments under the income based payments with XXXX, my loan was transferred to XXXX  XXXX. I was notified that I needed to make a XXXX payment to XXXX, but had already made a XXXX payment to XXXX on XX/XX/XXXX. It's XX/XX/XXXX and XXXX is still hounding me about the payment I made on XX/XX/XXXX. Additionally, they have required me to reapply for income based loan repayment plan even though I had already completed that process. I have spoken with their customer service representatives about this issue, but they haven't done anything to stop me from being harassed about a payment that I've already made. I expect better service from someone who is profiting from servicing my loan.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc. (NY)

Today I purchased a {$100.00} vanilla visa debit gift card from XXXX. Upon opening the package I noticed that there were 4 numbers missing from the card number so I went back to XXXX and tested the card to see if I could buy a pack of gum with the card and couldnt. XXXX told me the card was defective and I had to deal with Vanilla. When I called Vanilla their automated voice system does not offer an option for damaged card. After spending hours ( on hold ) waiting to speak to someone I found out that I would need to provide the original packaging, the original receipt, the activation receipt and the card for vanilla to launch an investigation- which would then take at least 30 business
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These items are not only incorrect but are also causing significant financial and emotional distress due to their derogatory nature. I request your prompt attention to complete a thorough investigation within the mandated thirty-day timeframe, as per my understanding of the law. The timely resolution of this matter is crucial to alleviate the distress caused by the inaccurate reporting. I appreciate your cooperation and look forward to your response. The items in question have already been removed by other credit bureaus and are detailed belowXXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

I am spam called over 10 or 15 times a day thanks to Experian sharing my information. Literally three weeks after I applied for my loan from credit card XXXX when I asked the telemarketers where they get my phone number from they all say Experian.
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Hello, I am writing hoping I can get help getting this creditor off of my back. Portfolio Recovery Associates has purchased 2 of my debts. XXXX XXXX XXXX. These are items I defaulted on over 4 years ago when I was going through some hardships with both of my in-laws had XXXX XXXX. I did default on the debts at the time. I own up to it. Yet the issue is I live in Texas. There is the TEXAS House Bill 996 that took effect XXXX XX/XX/ 2019 and in Section 2 ( c ) it states - A debt buyer, or a debt collector may not, directly or indirectly, commence an action against or initiate arbitration with a consumer to collect a consumer debt later than the earlier of : ( 1 )  the fourth anniversary of the date of the consumers last activity on the consumer debt. Another statue is TEXAS CIVIL PRACTICE AND REMEDIES CODE [ Sec. 16.004 ] FOUR-YEAR LIMITATIONS PERIOD which states : a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : 3.Debt The issue is I have contacted Portfolio Recovery Associates 3 times. First I was trying to obtain documents that showed when the last payment were made. They did not send it. Instead they sent paperwork showing the date they purchased the debts. I tried to obtain it from the original creditors but they said PRA owned it and I would have to get it from them. So, I obtain my old credit reports that show the last date I paid on the debt was over 4 years ago. I told PRA and they said it was not evidence proving they are in violation of the 4 year limitation under Texas law. 

These 2 marks on my credit is holding me back and could put my current job in jeopardy. I need to get these remove to improve my credit and ensure I do not lose my job over my score. I have no problem sending my credit info to show and prove I am in the right.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a have inaccurate accounts on my credit report and I need it remove, by law all the accounts must be accurate with the same info. XXXX, Transunion removed/changed some accounts this cause inaccurate info on my credit report, what I need remove. 

I need all the accounts that I provided in the ( ATTACH DOCUMENT TAB ) REMOVED
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My credit rating changes everyday and surprise interest payments all the time. XXXX from XXXX XXXX in XXXX XXXX mi works in XXXX XXXX and admitted to running my credit cards up and costing me my job. I don't know how he can do this. Please look into this. Suspected bank fraud as well. XXXX XXXX admitted to it. XXXX XXXX XXXX is my bank in XXXX mi. Please look into this. Also there is someone giving ot my information on the dark web. Not right.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. Auto Credit Corporation (GA)

Did y'all know there is a clause in our original contracts that pretty much says US Auto Sales has the right to transfer our contracts to another financial institution at any time?.. 
.. Well XXXX XXXX XXXX is NOT a financial institution, it a debt collection agency! How do we know this? Because by Federal Law they have to make it known that they are a debt collector when they call, when they send you a letter in the mail, or even an email. Therefore, now we know 2 different ways as of now that US Auto breached the contract 1 - not paying the warranty company and 2- selling to a debt collection agency and NOT a financial I institution as it states in THEIR contract that THEY created! 
LAWSUIT LAWSUIT LAWSUIT. Get it I was over charged for this vehicle its a XXXX  I still owe XXXX after having it 2 1/2 years
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (WA)

On XX/XX/XXXX XXXX XXXX took XXXX dollars from me XXXX did nothing to help me I dont know this XXXX XXXX he somehow compromised my account and took the money XXXX would not respond to phone calls and did nothing on XX/XX/XXXX I got my direct deposit by that morning XX/XX/XXXX my account was empty again XXXX XXXX Has done nothing no help se anything I tried contacting XXXX XXXX no help I lost a XXXX dollars XXXX total in XXXX week thats XXXX card services through XXXX XXXX I need help
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2023-05-11
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)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (UT)

Citi advertises the ability to transfer ThankYou Points to airline partners such as XXXX XXXX. When I attempt to use this feature it fails with an unhelpful error message. I have contacted Citi Customer Service 5 times about this error over 3 months. Citi has not explained or fixed it. I know that other Citi customers are able to use this feature. I request that Citi 's senior management investigate and repair my individual account and notify me, in writing, when I can make a transfer.
Consumer complaint received 2022-09-12
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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. 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$49000.00} XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIRSTBANK PUERTO RICO (PR)

SYMPLE THEY RETAINED MY MONEY FROM IRS WITH EXCUSES OF SCAMMER GOT ACCESS TO BANK ACCOUNT .BUT I HAVE COMMUNICATION OF THAT SCAMMER TRYING TO BLACKMAIL ME WITH OTHER THINGS DONT HAVE ANYTHING TO DO WITH THIS ISSUE ...SO ..THEY DIDNT HAD THE REASON .NOW AS I WARNING THEM... ARE THEY WHOM HAVE TROUBLES .ALREADY I HAD BEEN SUMMITING COMPLAINS IN OTHER FEDERALS AGENCIES RELATE TO PARTS OF THIS CASE .AND I HAVE ALL EVIDENCE. AGAINS ONLY BELIEVES FROM THEIR PART .SO ...PLEASE THIS IS SERIOUS .TAKE FULL ACTION .SHARE THIS TO ALL OTHER AGENCIES RELATED WITH THIS ..LIKE IRS OR GENERAL INSPECTOR OF THE DEPARTMENT OF TRASURE .I AM WATING FOR YOUR ACTION IN  THIS CASE ALREADY .ATT. XXXX XXXX XXXX XXXXXXXX