davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Someone claiming to be with " XXXX XXXX '' called my work number asking for " the protocol when locating an employee. '' When I told the caller I was that person, he would only say he is asking about protocol when locating an employee and gave me the number XXXX to call, along with a " reference number. '' When I called the number, some fast-talking woman used every possible word in the English language to make it sound like she was filing a court case ( like investigators and warrant officers ) but would never commit to anything certain. Told me the amount due was over {$1400.00} if she " took this case to court '' but only {$450.00} if paid immediately via a " bond instrument ''. I offered to mail a cashier 's check but was told they only accept " bond instruments. '' Finally, after much more threatening-type nonsense/double-speak from her, she said she can not give out her address due to " her employee 's safety '' and a " bond instrument '' is actually a VISA or MasterCard in her definition. So, she'd rather have a credit card payment ( that can be disputed or recalled ) as opposed to a certified-funds cashier 's check? How can people like this get away with this type " collection activity? '' Such a waste of time. She even said I was " interrupting her '' even though I sat silently and listened to this spiel.
Consumer complaint received 2018-02-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (ID)

XXXX XXXX XXXX calls 10 times a day if not more they bug me over and over again and wont stop sometimes they just call and hang up other times they keep telling me over the phone calls will contuie and there is nothing i can do about it this is my cell phone and i do not want them to ever call it again this time i did get mad and i did sware but you have to undertand they dont stop and its getting old real fast i was on the phone with my mom and they called and it kept akeing this beeping sound becuase i would not ancwer it this has to stop they nearly made me homeless and as far as that goes im not going to pay anymore i as paying every month then i called and said i cant pay you this month or i would not be able to pay my rent or get food to get by they took it anyway in the form of a cheek that they never told me they could take and i nearly lost everything i lost my car could not pay for that my family did not have enugh food and had my family not steped in i would not have been able to pay rent they made my bank go negitive by XXXX dallers i lost half of my XXXX money if my family did not help i would be on the streeXXXX so i dont think i should pay them anything anymore lost the car could not feed my family and nearly went homeless THOSE PEOPLE ARE MONSTERS they do not care about anyone or who they hurt please help me to get them to stop
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I XXXX XXXX, natural person have attached my FTC report, IDENTIFICATION, I AM DISPUTING ON MY OWN, NO ONE IS HELPING ME IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the XXXX XXXX XXXX XXXX ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I contacted the credit card company stating that I, the consumer wanted to opt out of any and all authorization that may have been given to them. After said communication, the credit card company sold the account and the account is still being reported on my consumer credit report.
Consumer complaint received 2021-09-05
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: EQUIFAX, INC. (IA)

To Whom It May Concern I have been deluged with Hard Inquiries from a company known as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This inquiry posted XX/XX/2021 representing a company known as : XXXX XXXX I have tried to contact this organization on numerous occasions, to notify them of the fraudulent error, to no avail. I am a victim of identity theft and I have never had any dealings with this company. I have contacted Equifax regarding this but I can not make progress here.
Consumer complaint received 2022-11-20
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. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or remove anything. So I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything for XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Penfed closed the credit card I opened with them a few years ago and it has a huge balance which I try to make payments on every month but the app won't let me. I also have a savings account with them which I regularly make deposits almost every week. When I try to make a payment to my credit card through the mobile app, it won't let me. After the payment is due and they report it to the credit bureau, then they took the payment from my savings account. Because of that my payments with them is always late. If they can move the money from my savings account to the credit card after the payment is due, why they just let me do the payment on time or move the money themselves before the payment is due? They are destroying my credit score.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION (MA)

BBVA Compass ran a {$200.00} promotion bonus for opening checking account from XX/XX/2017 through XX/XX/2017. I opened a checking account on XX/XX/2017. Per their requirement below, I have qualified but they refused to credit me with the bonus 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

2. Account must be opened within XX/XX/2017 through XX/XX/2017 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option XXXX. 
5. After the requirements have been met you should receive the promotion within 60 days.
Consumer complaint received 2020-08-25
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: EQUIFAX, INC. (GA)

I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.
Consumer complaint received 2022-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-09-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX of XXXX, I mailed in a certified letter through the US Postal service challenging a collection that was placed on my credit file XX/XX/XXXX by XXXX collection in the amount of {$17000.00} due to an auto repo which occurred around XXXX of XXXX. Upon further investigation and research through XXXX in which I entered the vehicle ID number, I found that the XXXX XXXX XXXX  which was already in a great running condition at the time held the retail value of {$14.00}, XXXX was resold by the original lender at an auction in the XXXX XXXX area. and they failed to send me a notice of deficiency. According to the law, misrepresenting the amount of the debt or its judicial status are violations of the FCRA. The sale price must be applied to the balance of the loan. 
In my dispute letter, I clearly expressed how important a reasonable human investigation was in this matter and requested a full disclosure and every piece of information gathered during their previous investigation. The FCRA rule 611 ( a ) ( 6 ) ( B ( iii ) which states, a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the reporting agency. My rights were blatantly violated by this credit reporting agency in this process, Their incompetence destroy lives and they should not be in the people business. I have received nothing but a generic computerized response letter from them stating that the account had been verified with no further proof of reasonable human investigation. completely violating my right to receive proper information on my credit file.
Consumer complaint received 2020-12-12
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. (OH)

I previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX  # XXXX
Consumer complaint received 2020-12-12
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. (OH)

I previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX, # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-09-05
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. (PA)

I have never been associated with the address listed on this " XXXX XXXX XXXX XXXX '' account and have never had an XXXX XXXX XXXX account in the last 10.5 years.
Consumer complaint received 2018-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Site : XXXX XXXX Account : Capital One- XX/XX/XXXX There is no balance to view for this. It is marked as a hard inquiry but I have never applied for any type of credit card. I already called Capitol One and spoke with an employee. They didnt have me in their system and recommend that I try to get ahold of somebody at XXXX XXXX. My credit is being affected by this and I dont know what to do. Please help me out!!!!
Consumer complaint received 2021-09-05
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: Phoenix Financial Services LLC (MI)

On XX/XX/2020, Phoenix Financial reported to the credit bureaus a derogatory mark on my consumers credit report. The original creditor Is XXXX XXXX I, which I dont see how because as a consumer Im the original creditor. I did not give Phoenix Financial my written consent to report anything to my consumers report. No consent is identity theft.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OH)

I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My Home Depot Account ( Citi Bank ) was part of the program At some point Citi sold the account to XXXX XXXX XXXX. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be XXXX XXXX XXXX. XXXX XXXX XXXX more specifically XXXX and XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact XXXX myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by XXXX their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the first of XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive
Consumer complaint received 2022-05-01
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. (MN)

The following credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX Appeal, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Motors Auto, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXe, XX/XX/XXXX XXXX XXXX XXXX XXXX Cac, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXk, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXn, XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX