davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (PA)

I purchased a {$500.00} Vanilla gift card but discovered the funds were missing when I attempted to use it. I immediately contacted XXXX customer service to report the issue. They requested pictures of the receipt and card information, which I promptly provided. 
Over the course of nearly a year, I made approximately XXXX follow-up calls to XXXX. Each time, I encountered various obstacles : Representatives claimed they couldn't locate my submitted images, despite my having received confirmation of receipt. 
I was repeatedly told to call back as the appropriate person wasn't available. 
When my images were finally " found, '' I was informed I needed to complete an additional form. 
The process of obtaining and submitting this form was equally challenging, with similar delays and communication issues. After XXXX months of persistent follow-ups, XXXX reopened my case and sent the form immediately. 
However, upon submitting the completed form, my claim was denied due to being past the XXXX deadline - a direct result of XXXX 's prolonged delays and apparent mishandling of my case. 
Throughout this ordeal, it seemed that XXXX was intentionally prolonging the process, only taking action after repeated inquiries. This systematic delay ultimately led to the denial of my legitimate claim, causing significant inconvenience and financial loss. 
I believe XXXX 's handling of this situation was unprofessional and potentially fraudulent, as their actions directly contributed to the expiration of my claim period.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AR)

This was deleted off my report. As of XX/XX/year> I had XXXX collections. Today XX/XX/year> I have XXXX. Caine and weiner reported this like it's something new. I do not know of these people nor the debt they are trying to collect. Deleted previously then re-reported as if it's a new collection. I have a recent complaint on file with cfpb and it was deleted. Now reopen
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-10-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-26
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. (NY)

Thank you for your time to REMOVED some of the inaccurate items in my file that resulted from an erroneous credit reporting but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this problem in a previous letter & I am including those items here again. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX Balance : {$750.00} XXXX  XXXX XXXX : {$2600.00} XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any inaccurate items in my credit file that resulted from an erroneous credit reporting. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My car was totaled the insurance paid part of it in XXXX the fair market value which was almost {$10000.00} they filed the first claim with The Gap wrong first month because they didn't upload any documents which I had to fix the next month I had to go in and send them the correct installment loan because they sent somebody else 's with my account for a XXXX XXXX instead of the vehicle that I had bought I got that fixed they continuously said they had not gotten a check until the day another loan payment was due that they were trying to make me pay for a vehicle they had already received money for they made me pay {$400.00} extra to close the account and XXXX months later they get an {$800.00} check that they lied to me and said that it was canceled and then they said well they didn't know how to figure it out if they were going to send it back to the gap insurance so that they could refund me the money or if they were going to refund money they reopen my account for the third time after it had been closed and kept the check and said they don't owe me anything they did not take the interest off that they were supposed to and they continuously have light about what they're doing it was 3 months later that they got that check they said that it canceled it hadn't then they deposited and instead of refunding me my money because the account was already closed they kept it
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/year> I submitted a dispute with Transunion XXXX XXXX XXXX to investigate their deceptive practices when furnishing information on my consumer credit report. Transunion XXXX XXXX XXXX conducted a so called investigation for accuracy instead of my initial request on proper federal procedure pursuant to FCRA. The company responded XX/XX/year> and chose to continue with The communications on my consumer credit report. Federal FCRA laws the company claims to abide arent being followed violating me the consumer with no regards to its affect it has on my family. I responded by asking the company to cease and desist all communications furnished on my consumer report and to not communicate further with any future creditors I may create relations with. I requested a copy of all deleted communications currently being furnished to assure that my request is respected.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NV)

I closed my Barclays Mastercard Account in XXXX of XXXX. In XXXX of XXXX, in accordance with the autopayment the account was paid in full. I sold my home associated with the billing address in XXXX of XXXX. 3 1/2 year later, a charge from XXXX XXXX appeared on or around XX/XX/XXXX, for {$20.00}. I did not authorize this charge as the account had been closed for 3 1/2 years. Bills were sent to the address associated with the closed account. After 6 months, Barclays charged off the card and show my credit as the fault. This is fraud. I contacted Barclays about this when I viewed my credit report in XX/XX/XXXX. They saw the discrepancy and asked me to submit information in writing. I did. They have taken no action and this is fraud and is unfairly hurting my credit rating. The account in question is XXXX. XXXX recommended I report this to you. I am also going to file a police report.
Consumer complaint received 2024-07-02
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: CITIBANK, N.A. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SoLo Funds Inc. (TX)

I funded XXXX loans, XXXX on XX/XX/XXXX and the other on XX/XX/XXXX, which were subsequently canceled and supposed to be refunded. I have yet to receive a full refund. I am still owed {$460.00}. Their customer service has ghosted me or lied every time I reach about regarding this issue.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MA)

Borrower was placed on Social Security XXXX ( XXXX ) since XXXX following being a XXXX XXXX at the XXXX XXXX XXXX. 

Mortgage company XXXX XXXX  and it's Servicers XXXX XXXX, PHH, Ocwen Loan Servicing , Inc. have continually manipulated terms of loan/mortgage without the knowledge of borrower. 

Mortgage Company began refunding on-time mortgage payments made during Covid-19 causing an increasing arrears on account in furtherance of borrowers financial hardship. 

Mortgage generated in XXXX for {$120000.00} and principal balance has ballooned and currently sits at approximately {$210000.00}. 

Attempted modification x2 making required trial monthly payments x3 whereby mortgage company failed to provide final modification contract for endorsement. 

XX/XX/XXXX Federal assistance provided approximately {$50000.00} paid directly to lender to assist bringing account current. Due to lender predatory accounting practices debitor remained in arrears with a mere fraction of these monies applied to Principal balance. 

Refusing to address and rectify blatant accounting errors negatively effecting account balance/arrears lender notified borrower of their intent to foreclose in XX/XX/XXXX while refusing to respond to any efforts or attempts of borrower to resolve outstanding arrears. 

Monthly payment {$1400.00} -Borrower received XX/XX/XXXX Total Due bill of {$29000.00} with the subsequent month ( XX/XX/XXXX ) demand for Total Due of {$35000.00} which is ridiculous and categorically impossible to eclypse via savings and pay receiving a mere XXXX payment of $ XXXX/monthly. 

Assigned Loan Service entities XXXX XXXX and PHH have continually failed to accept and/or return our calls.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (WI)

I received a text on XX/XX/year> @ XXXX from what seemed to be Chime, the banking app I use. It stated there had been a suspicious purchase and requested the confirmation. I replied N for No. Another text came through stating a Chime Rep will call me. Seconds later, I received a call, not knowing Chime never calls unless requested. The person on the phone convinced me to transfer funds to put into a new secure account, as soon as I did the call dropped. XXXX was put out of service immediately after that. I contacted Chime about the transaction, reporting Fraud. They opened a case and " found no error '', stating I would not get my {$4700.00} back. I disputed again, but have not heard back. I realize it can take up to 45 days, but the first response was so immediate and disheartening. There's NO way to reverse a transaction like this? That was everything I had, and it took a year to save.
Consumer complaint received 2024-07-04
Product: Credit 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: GOLDMAN SACHS BANK USA (MD)

On XX/XX/XXXX I made a {$130.00} purchase from The XXXX. A {$30.00} t-shirt and {$100.00} XXXX constituted the subtotal with {$7.00} shipping. On XX/XX/XXXX I received the t-shirt in the mail. The delivery notification email said both items were in the shipment, so I contacted the merchant saying only the t-shirt was delivered and requesting tracking information for the XXXX. I contacted them on XX/XX/XXXX and received no response. On XX/XX/XXXX I disputed the purchase with Apple Card XXXX. On XX/XX/XXXX the dispute was rejected. I reopened the dispute and attacked images of the package only containing the t-shirt when opened ( the packaging is only the size of the t-shirt bag ), the email sent to the merchant, and no response in my inbox. On XX/XX/XXXX the dispute was rejected again because there is no evidence to substantiate the claim. I called Apple Card XXXX and explained the situation again and asked what evidence they needed of an item that was not delivered. They said I could only reopen the claim. I reopened it on XX/XX/XXXX and it was rejected for the same reason on XX/XX/XXXX.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (FL)

XX/XX/2023 I submitted a dispute regarding identity theft accounts that on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Consumer complaint received 2024-07-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Dispute and Complaint Regarding Violations by ICY SYSTEM Collection Agency To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau XXXX XXXX SYSTEM, a collection agency, for violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On [ date of collection notice or report ], I received notice from ICY SYSTEM that they placed a collection account on my credit report. However, ICY SYSTEM has failed to comply with the following laws : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), ICY SYSTEM did not provide me with the required validation of the debt within the specified timeframe, yet they reported the collection on my consumer report.

2. Denial of Dispute Rights : Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), ICY SYSTEM did not provide me with the opportunity to dispute the account before reporting it to consumer reporting agencies. 

3. Use of False, Misleading, and Deceptive Means : ICY SYSTEM has engaged in false, misleading, and deceptive practices in violation of consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

4. Lack of Required Disclosures : ICY SYSTEM has furnished account information to consumer reporting agencies without providing all required disclosures as mandated by law. 

Therefore, I request the following actions : * Immediate Removal from Credit Report : I demand that ICY SYSTEM remove the collection account from my credit report due to their failure to comply with the above laws. 
* Dispute of Debt : I dispute owing any and all debts to ICY SYSTEM. 
* Revocation of Communication Rights : I hereby revoke any authorization for ICY SYSTEM to communicate with me via email, text messages, or phone calls. All further communication must be in writing and sent to the address provided above. 
* Request for Debt Validation : Please provide validation of the alleged debt, including documentation proving the debt is valid and that ICY SYSTEM has the legal right to collect it.

* Request for Purchase Agreement : Please furnish a copy of the purchase agreement between ICY SYSTEM and the original creditor pertaining to the alleged debt.

* Proof of Licensing and Bonding : Please provide documentation proving that ICY SYSTEM is licensed and bonded to collect debts in my state. 

I kindly request that the CFPB investigate this matter promptly and take appropriate enforcement action against ICY SYSTEM for their violations of consumer protection laws. 
Thank you for your immediate attention to this dispute. Please contact me at the above address or by phone at XXXX if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
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. (MD)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UMB FINANCIAL CORPORATION (WV)

I had a XXXX XXXX credit card for a few years. When I found out this company had been bought by UMB bank, I XXXX  their reviews and determined I did not want a credit card for this company due to horrible reviews. I canceled the card In XX/XX/2024. I did forget an automatic payment to XXXX which charged in XX/XX/2024. I set up my automatic payment for XX/XX/2024 and it was returned to my bank 2 days later. I called customer service, who removed the late fee and instructed me where to mail a check to pay my debt. The original debt was paid, but UMB is now charging another late fee for following their customer service reps instructions and mailing the check. 

The reviews of horrible customer service is true to my experience and I am living it without ever having an account with this company I simply want to cancel the account ( I have never signed an agreement with UMB ) and reverse the credit reporting they have done in the past few months over a XXXX cent fee and future fees, charges, etc. 

I am XXXX XXXX XXXXXXXX veteran, retired from the XXXX, and am currently XXXX.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

In XX/XX/year> I purchased from XXXX, owner of a Texas based antics dealer called " XXXX XXXX XXXX '' a vintage sofa and we agreed that its XXXXXXXX XXXX fabric was outdated. XXXX offered to help me pick a fabric in XXXX where she then lived. The deal was that I would pay the fabric and she would deliver the sofa to a local upholstery store in charge of redoing the fabric before we would organize the shipping to New York where I reside. 
Based on this agreement, I made the purchase with a PayPal payment for {$410.00} on XX/XX/year>. I had agreed to the uphoslery choice but I was missing the fabric which I was patiently waiting for her to help shop around before I would pay for it. 
She never did : XXXX was simply a scammer who never kept her offer but had no shame nor ethics to stop her from keeping my hard earned money. She dissapeared for weeks before she purely and simply burried the project in the fall of 2023. 
I found myself chasing her to either get my sofa or my funds back. She simply stopped communicating. I have sent XXXX a request to pay me back through PayPal or send me the sofa but she sent me a text asking me not to contact her again before going silent again and for good. 
I called PayPal to ask for a refund and was told that there was a time limit that had expired. I am a hard working woman struggling to pay everything and I clearly do not have {$410.00} to be wasted on a scam. I am solliciting PayPal customer service compassion and understanding to be refunded for these funds. 
Thank you in advance for your valuable help on this.
Consumer complaint received 2023-06-08
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: MARINER FINANCE, LLC (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, MARINER FINANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. MARINER FINANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.