davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
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. (GA)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (AZ)

CEB Group is attempting to collect a debt for a medical bill that has already been settled and I disputed it on my credit. I have told them multiple times to not call my place of employment and they continue. I received another call today at XXXX XXXX from the CEB Group. I spoke to a supervisor named XXXX XXXX this morning and informed her I would be filing this complaint. 

They will not STOP! This is illegal. Please prosecute.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

I attempted to make a payment in full on a credit card and requested a receipt, the company refused to provide a receipt only a confirmation number. When I told them that would not suffice as my HSA card requires a receipt I was told that they will not provide one. My only recourse is to call back in three day wait on hold again for several minutes to request another copy of the statement but again they would provide no receipt. 
I am unsure of laws regarding billing companies but I know a retail establishment must provide a receipt and have never had an issue such as this before. If I agree to make a payment I should be given proof of said payment being made.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (CA)

Several months ago, XXXX ended its relationship with XXXX XXXX and transferred all accounts to Barclays. The transition was handled incredibly poorly. I always paid my balance in full and monitored activity online, but because all records of my transactions disappeared from the XXXX web portal, I was unable to check my balance and did not agree with the balance that Barclays was showing and do not believe they applied the last payment that I made to XXXX XXXX. I have been on the phone with both companies several times in an effort to resolve this, but 3 months later have been unable to do so. In the meantime, I am not willing to pay Barclays the extra amount -- over {$1200.00} -- that they believe that I owe and which I believe was paid and the account has accumulated late fees and interest penalties.
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

This applies to courses undertaken at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After much pressure and much conversation about, course path, certification, job placement and career opportunites, I enrolled. Private loans for $ XXXX were provided under Sallie Mae . I along with thousands of other students found that after graduation we had been victims of fraud. There were no jobs or income, just repayments of loans. Salle Mae and then Navient convinced me I had no recourse but to pay. Some forebearance and payment pauses here and there did not help make my amounts and payments any less. Also, because my XXXX co-signed I felt I had to push on and not risk ruining her credit. Today, I have a balance owed of $ XXXX and no real way to pay. There have been various court cases and settlements involving XXXX and XXXX XXXX XXXX in the past recent years, but none that applied to myself as a XXXX loan borrower in XXXX. In my mind, the Holder Rule should apply to Navient, based on the fraudulent misconduct of XXXX and XXXX XXXX XXXX. As such I should have all my XXXX  loans discharged and refunds made to me by Navient.
Consumer complaint received 2022-06-12
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP (NY)

On the XX/XX/2019 my XXXX XXXX Checking account was frozen by the State of New York XXXX County Supreme Court through a restraining notice with a subpoena. A Levi # XXXX of {$8000.00} plus a Processing fee of {$120.00} was removed from my checking account. This process was initiated by Forster & Garbus , LLP, Collection Attorney located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; Telephone Number XXXX ( XXXX ) XXXX ; Website : XXXX : XXXX. 

To date I have never received any correspondence of debt and if debt existed never had a chance to litigate a complaint ( never received ) to request documentation from the creditor ( who is unknown at this time ) or even dispute the amount owed, if I do, and who I owe it to ( at this time unknown ). If I did have a unpaid debt ( at this time unknown ) I never had any chance to negotiate with the creditor. 

I tried numerous times to contact Forster & Garbus , LLP, Collection Attorney but to no avail. 

This has caused a hardship for my wife and I since I forfeited this money unknowingly and bills that need to be paid to sustain my wife and I survival is now in jeopardy surprisingly losing this money. 

Finally, while doing my homework, I discovered that the BUREAU OF CONSUMER FINANCIAL PROTECTION Filed Suit Against Forster & Garbus , LLP, in the UNITED STATES DISTRICT COURT XXXX DISTRICT OF NEW YORK ... ... XXXX XXXX   XXXX Thank you for your time looking into this matter ... XXXX
Consumer complaint received 2018-09-11
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. (MI)

XXXX XXXX received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TN)

On Sunday, XX/XX/2023, I logged into my CashApp account using the application and received a notice stating that my account had been closed. No warning just a notification stating that I violated the terms and agreements, after clicking on the link to see if it would give me additional details as to what I may have done, nothing clarifies why my account was closed. So, on on XX/XX/2023, I went through the customer support chat to ask what I did to violate the terms and agreements and if they could provide with that additional information or proof, the person in the chat only repeated what was on the notification which was a general/broad explanation, " you've violated the terms and agreements of Cashapp, that is why your account is closed... I don't have specific reasons why, but you can view our Cash Terms of Service. '' and once again was provided a link of the terms that I had already read prior to starting the chat. I then escalated the situation to a manager/supervisor, unfortunately, he was not able to give me any specifics for the closing of my account and didn't offer to reopen it. I've only used my account for personal situations ; sending money to family and friends in cases of emergency and to those who perform services on myself and family members, such as personal upkeep.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (FL)

Radius is the third company to try and sue me for the same debt the debt has doubled plus some and I want help resolving this Ive asked the last two times they just keep selling the debt its doubled I will pay the XXXX I will not pay six XXXX Im not paying their interest for closing my account when I was at XXXX Im not paying their interest fees because they did not want to work with me
Consumer complaint received 2022-01-26
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. (IL)

I filed for verification of bankruptcy from XXXX, TransUnion, and XXXX. Each bureau states XXXX. However, the XXXX XXXX  is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my report.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/XXXX a check was mailed to Comenity Bank XXXX XXXXXXXX XXXX XXXX for {$1900.00} through my refi on my home by the escrow title company. The title company accidentally referenced my XXXX rewards number on the check and not my account number. The check in turn was still cashed on XX/XX/XXXX by Comenity Bank and the amount has not been applied to my account. My issue is they could have contacted me by researching the rewards number and found my contact info. I have supplied them with the check number and also with an actual copy of the cashed check and a detailed letter of what happened. As of today XX/XX/XXXX the {$1900.00} still has not been credited to my account and it is still accruing interest on the high balance.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (IN)

On or about XX/XX/ 2021, consumer sent letter to Experian followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (AK)

I see an inquiry on my credit reports from XXXX XX/XX/2022 from COMENITYCAPITAL/XX/XX/XXXX. I did not apply for any cards from XX/XX/XXXX and I believe this is a case of identity theft. I have since FROZEN my credit reports.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Greetings, I noticed a change in my credit report around XX/XX/XXXX where Navient had reported XXXX student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under Navient ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the Sallie Mae settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by Navient XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, XXXX and XXXX with no luck as they stated that Navient certified the account as if their information is accurate. I dont understand why they credit agencies determine at Navient XXXX as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.
Consumer complaint received 2022-10-07
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Capital One due to an unrecognized transaction on XX/XX/2022 made through XXXX. I received an email stating that my account may be closed out. I called Capital One and was told by a rep that my account was closed and that my funds were frozen and I had to request a one-time exception to have funds sent to an external bank via ACH. I think it is ridiculous to shut down someone's bank account where their lively hoods are being sent just because they reported an unrecognized transaction.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FinCo Services Inc DBA Current (CA)

I changed my name in XX/XX/2020 because I got married ( the fraud is happening with my maiden name ). The XXXX XXXX successfully changed my name but they lost my original documents and I never received them back in the mail. After this I started getting notices in the mail from credit cards saying I applied. Of course I did not. So then I got XXXX and froze my credit scores back in XXXX due to the repeated credit card fraud. I also filed a police report. Since I did all this, the credit card applications haven't been approved ( as far as I know ). Except this Visa card from a company called Current was approved and they issued me a card that can be activated with their app. I called their customer service and left a message, they never called me back and they NEVER answer their phone. I emailed them and they said they won't help me because I don't have the email used to sign up. I told them that I don't have the email used to set up the account because it was set up fraudulently and that I need them to close this account ASAP. I asked to speak to a manager. They said no. It is worrying me very much that they won't close this account even though I told them it was fraud. I really think they are okay with fraud based on this experience it seems they don't care at all. I have the emails for proof of how they dismissed me.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

This is not a duplicate request. My account had fraud activity that I reported and was closed with out a proper explanation or investigation. 

My Cashapp account was closed unwarrantedly. I requested the issue be investigated and rectified XX/XX/23 in which I was informed to check my email for updates and I would receive resolution within 15 business days. As of XX/XX/23, I have been unable to receive any updates on the investigation of why my account was unjustly closed. I have reached out to Cashapp over 3 occasions to check the status and they refuse to give any update. They continue to tell me that my concern has been routed to the proper department and that is the only information they have at this time and to continue to check my email for further information. I have also requested for them to escalate or have a manager contact me to assist with resolution but no one ever follows up. They are practicing deceptively and violating my consumer rights. They unfairly closed my account and will not provide a substantial reason. They simply refuse to provide any update because I know I have not violated any terms for them to close my account. There was suspicious activity on my account in which I inquired about and they informed me everything looked good on their end. Please explain to me exactly why my account was closed in detail.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (TX)

I have been a long time customer of Continental Finance regular  XXXX. In XX/XX/XXXX, I set up automatic payments for over double the amount due ( {$35.00} ), in the amount of {$75.00}. This went along fine until XX/XX/XXXX when for some reason UNKNOWN to me the company changed their statement date. This somehow altered my due date, which began the string of late fees charged to me from XX/XX/XXXX through today, XX/XX/XXXX totalling {$170.00}, plus the interest -- plus they are also reporting me to the credit bureaus as being late. I manage this card online and since I had the double autopayments going out each month, and I rarely use the card and keep a small balance, I never thought to look more closely at my statements. This late fee kept accruing even though I made double payments regularly each month on the XXXX. Today I spoke with XXXX XXXX at Continental Finance. It took her some time to figure out what happened then she explained to me about the statement date changing in months with 31 days. I could not believe this explanation or this policy. She said she handed this over to her floor supervisor XXXX XXXX who told her there was no way they would pay all these late fees back. should would not let me speak with XXXX XXXX nor would she give me any contact information for him or XXXX XXXX, but did give me the fax number : XXXX. Here is the main customer service number for the company : XXXX I am attaching copies of transaction details as well as my autopayment setup and list of autopayments and when they occurred. At this time I do not know if I will be refunded anything, or if their credit reports will be withdrawn.