davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I purchased a car XX/XX/2020 or around that time. With a extended warranty that most service department at major dealerships do not honor 3 weeks into the loan the motor blew I tried to used the warranty going in they claimed not to cover this or that so hey I was stuck with the out of pocket expenses. 2 month as later I received a call from XXXX XXXX XXXX and they said we have to replace your motor they contacted the warranty dept and they said we will pay 2 hours of the 12 hour labor but tear the motor down and we will send a inspector out. A day later I received a call and the guy said we stop working with this company because they failed to pay us several times on jobs we done. I contacted the dealership I purchased the car from and they told me to contact the back thats keep insisting I contact the warranty company that receive payment from me to them every time I pay my car note. They claim the warranty company didnt deny the loan but if the only person that could work on my car is a certified XXXX mechanic in which I would find only at a dealership could work on this car in which the company itself does not accept this warranty its useless and I explained over 10 times. The bank is scared to lose relationship with the dealer because they able to make 30 % or more interest off its customers. Now Im stuck in in the middle of do the right thing or profit off a company that been making us a lot of money ripping off consumers. Inspire of me losing my job and will be homeless once XXXX left the eviction hold I still managed to pay my note and insurance my kids missed XXXX. When this car broke down I was in the middle of no where stranded for two whole day with no food no water no phone because the area had no service. And all credit acceptance keep saying call the warranty department not once trying to contact the dealer to see why did the motor go out in 3 weeks as long as they get they 30 % and the dealership keep sending them business thats all they worried about. Its a pandemic and the bank is taking advantage to the fullest and would rather make a dollar then to satisfy consumers
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items that are hurting my credit. Thank you. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

In XX/XX/2021 AMEX Closed a credit card that I never had used and which had a {$0.00} balance, and simultaneously American Express ( AMEX ) charged me an invalid annual fee in the same month of closing the card. I called to raise this issue with AMEX when I got a bill for a charge I did not cause on a closed card. I was assured by AMEX the canceled card would have the annual fee removed, due to their mistake, and NOT to pay it. AMEX eventually corrected the amount owed to {$0.00} but it was over 2 months later. This resulted in AMEX inaccurately reporting missed payments of 60 days late to all three credit bureaus! I had offered to pay the fee when first due but was instructed by AMEX NOT to pay the annual fee since the card was canceled and the fee was not a valid fee due. When I disputed the inaccurate payment history with the 3 credit bureaus, AMEX 'validated " the information without making the proper correction. This has resulted in lower XXXX XXXX scores and higher interest rates which continue to cause me financial harm do to their inaccurate reporting to the 3 credit bureaus.
Consumer complaint received 2021-09-08
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. (FL)

i acted upon my right to dispute innacurate information being shown on my credit report. i never got proof of verification of any of the disputes.they took just verified everything without Proof that's illegal. i want them to removed them XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2022-04-25
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. (MS)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Debt Group of NY (WA)

We are told on phone that we are charged for carpet replacement while vacating the apartment complex. When we were vacating, we were told only a spot in one room needs to be replaced. However, it seems full house carpet replacement fees has been charged. We tried to obtain details of the charges but were denied and threaten to pay the full amount or else it will be reported to our credit history. We also tried reaching out over email but did not receive any response. 
Date vacated : XX/XX/2021 Amount : ~ {$1200.00} ( we never received a bill, only a call from debt collector )
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page XXXX  para 2 ) XXXX representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

I was impacted by the COVID19 disaster and inquired about refinancing with my current lender in an effort to maintain my perfect mortgage payment record. The refinance did not go through, but I was still impacted by the pandemic. I was told that negative reporting would be suppressed during the time I was impacted, but it appears I was just reported 30 days delinquent. 



I have never missed a payment. I should not be punished for a situation that was out of my control. Please amend the incorrect reporting
Consumer complaint received 2021-01-20
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 come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-09-08
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. (TX)

On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent certified letters to Transunion, XXXX and XXXX on XX/XX/2020 requesting that hard inquiries, addresses and name corrections be removed from my credit report as they were erroneous. 

XXXX  did not process my request until XX/XX/2020, XXXX failed to process until XX/XX/2020, and Transunion XX/XX/2020. 

The inaccurate and erroneous information is negatively effecting my credit report and my ability to secure a loan to refinance my home. I have included documentation to support the steps taken on my behalf.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hi, I have contacted SPS servicing about my mortgage due to COVID displacement. They approved a forbearance. As time progressed and things still hadnt improved with COVID I contacted them to request they place the arrears at the end of my loan term. 
I was told they would get back to me because the large number of people in the identical circumstances. 
In the interim they asked that I submit my monthly bank statement and let them know if anything changed. 
To date XXXX havent heard back with an affirmative to help me. 
As soon as the moratorium was set to end-I received a statement from SPS with a demand for fill payment, a deed in lieu of foreclosure or telling me they will consider me for a refinance. 
I have contacted SPS multiple times and still havent been helped. 
I need help thats tangible and realistic as Ive been in this situation for almost a year. 
I can not make a balloon payment for the full amt without income ; I havent received my tax returns because State and a federal have essentially been closed, understaffed or incompetent in follow through. 
I need SPS to please place the arrears in the back of the loan term so I can realistically catch up with my entire life. 
Thank you for your help.
Consumer complaint received 2023-06-14
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. (CA)

I am submitting this complaint for you to make an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please help me correct the following accounts : 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 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

SPECIALIZED LOAN SERVICING LLC has failed to remove PMI from my account. I submitted the documentations necessary and requested an appraisal as instructed by the company, however, it has been over 30 days without having PMI removed from the account. No appraisal has been scheduled. I submitted the paperwork the XXXX of XXXX. SPECIALIZED LOAN SERVICING LLC received and verified the paperwork XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no success in getting PMI removed. The new Tax Bill for my property has an estimated current value of 58 % LTV, well under the 78 % threshold for PMI removal.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

On XX/XX/2021 I received a US Bank ReliaCard in the mail. It came with the correct last name, but misspelled first name. I never applied for an unemployment card seeing i am currently employed and have been for the last 7 years. I read that there was a scam out on these cards and I want to get to deactivated. Neither your customer service line or the company are taking calls. Every time I call I either get no response or it says it is outside of office hours, even though it is clearly not. At this point I just want it to be handle.
Consumer complaint received 2023-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MT)

Planet Home Lending began servicing our mortgage in XX/XX/XXXX. The company offered budget payments ( bimonthly ). This seemed like a good idea since it would provide us more funds at the beginning of the month. In XX/XX/XXXX, the company mailed me a letter with the form to complete. On XX/XX/XXXX, I faxed the completed form and voided check to the company from the local XXXX store. The letter dated XX/XX/XXXX stated that I would be notified of the date the budget payment plan would take effect. The letter did state that the mortgage must be current, which it was, and to include a payment with the budget drafting setup form. I paid the XX/XX/XXXX payment online as I always do. It was withdrawn from our checking account on XX/XX/XXXX. Since the mortgage was current ( and has always been ) and the XXXX payment made, I awaited a letter to inform me of the effective date. 
On XX/XX/XXXX, I went to the store to purchase groceries and my account was overdrawn due to a {$1100.00} withdrawal from Planet Home Lending. I had not received notification that the withdrawal was to begin. I received two letters in the mail on Friday, XX/XX/XXXX, from Planet Home Lending notifying us that the payment would be drafted on XX/XX/XXXX in the amount of {$1100.00}. I called the mortgage company because this would result in them receiving TWO full payments in XXXX to the tune of over {$4400.00}. They said I should seen this information in the application provided. The application did not contain any information that the budget program would start immediately and take a full mortgage payment out after you had already made a mortgage payment that month. The representative said that payments are scheduled ahead of time every 14 days and drafted on XXXX. She would not refund the amount withdrawn. Before I completed and returned the budget pay forms, I read the information they provided and even checked their website for more information about how the program would work. There was no information provided. This is unbelievable that a mortgage servicing company can do this to people. Luckily, it will not bankrupt us, but it does cause a hardship when I make two mortgage payments in one month without my consent and without the company informing me. 
The letter received on XX/XX/XXXX to inform me that the draft would start on XX/XX/XXXX was dated XX/XX/XXXX. It was mailed on XX/XX/XXXX as is evidenced by the XXXX XXXX meter stamp. I have all the documents including the original form I completed and faxed to Planet Home Lending, the XX/XX/XXXX letter, the XXXX XX/XX/XXXX letters along with the envelope that is postmarked. Also, I have Informed Delivery from the USPS. I have saved and printed the email showing the arrival of the two letters from Planet Home Lending today.
Consumer complaint received 2021-06-02
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: AFNI 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 XXXXXXXXAFNI ( Original Creditor : 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 2020-06-10
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)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report file. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NV)

I had received an IKEA credit card, through Comenity Bank at the end of last year or beginning of this. After using it a couple of months it was blocked and I could not use it anymore. No phone call and no explanation whatsoever. A couple of months later I received a letter from them telling me there are some security issues with both my IKEA card and XXXX XXXX ( also of course issued through Comenity bank ) in which they requested me to send a copy of my driver 's licens, SS card, and a utility statement. I called them and spoke with someone in Fraudulent department ( something like that ) and told the person I spoke with that I don't feel comfortable sending them that information either through mail or email and that I rather close the accounts. She said they could not close them due to the security issue. 

I called a few weeks later again, around XX/XX/22, to inquire about the situation. I asked them again to close the accounts and to send the over {$800.00} that I have in credit at the IKEA card Again they said they could not send me the money or close the account due to the security issue. 

When I spoke with them again I told them I'd file complaints about them. A couple of hours later I got a phone message from " XXXX at Comenity Bank '' who told me my issue came across his desk and that he was going to try to get me my money. It's 10 days ago and I have still not seen the money or heard anything about closure of my accounts. 

Also, whenever I ask about the security issue, they are not able to tell me exactly what kind of security issue. Usually when a credit card bank have security issues, they will have me call them and verify I, the owner of the card, is purchasing a particular item. Or they will call me. Or text or email me. But never ever have I had a bank block two of my credit cards " due to security issues '' they can not explain. 

I haven't done anything wrong. I have paid my bill on time and never reached over the limit. On the other hand, I think the reason for blocking my account is because I overused it to take advantage of the 5 % rebate we got for using the IKEA credit card and buying a kitchen. I got a few XXXX dollars back and I paid off the card right away. I don't think they liked that. I even think they blocked the set of gift cards I received since I was not able to use them. 

I'm getting the runaround and can not either close my cards or get my money.