davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (GA)

On XX/XX/2022 I received a XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) as a birthday present from a friend. The card was purchased on XX/XX/XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in the amount of {$30.00}. When I attempted to use the gift card on or about XX/XX/2022 at a merchant, the gift card was rejected. I then logged in to XXXX and learned that the gift card was apparently fraudulently used in XXXXXXXX XXXX on XX/XX/2022. I was never in XXXX, XXXX and did not use the gift card at that merchant. The card in question was somehow registered to another user. I contacted XXXX at XXXX and was instructed to fax the following information to them so that the a new gift card in the amount of {$30.00} be issued to me. On XX/XX/2022, I faxed XXXX ( fax number XXXX ) ; XXXX ) A copy of the gift card, XXXX ) A copy of the receipt that purchased the gift card, XXXX ) A copy of my driver 's license. On XX/XX/XXXX, I followed up with XXXX and called them about the fax. They informed me that they had received the fax but couldn't read my driver 's license information and I would have to re-fax the documents. The information on my end was clear and readable. Nevertheless, as requested, on XX/XX/XXXX, I re-faxed the information to XXXX with an enlarged copy of my driver 's license, a copy of the gift card, as well as a copy of the receipt used to purchase the gift card. On XX/XX/XXXX, I again followed-up with XXXX about the status of my second fax. This time XXXX informed me that although they received the fax, the purchase receipt was missing and I would have to re-fax the documents a third time. I tried to reach a resolution with them over the phone but I was unsuccessful. My access to a fax machine is limited. The use of a fax machine is an outdated practice and is being used, in my opinion, to make it difficult for people that were defrauded for relatively small amounts of money to claim what is rightfully theirs. In my opinion, the XXXX company is making this process intentionally difficult for persons making a valid claim.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX  i responded to an email from Chase Bank for a new Checking account with bonus. I completed the process satisfactory. The next day i received an email from Chase Bank telling me that couldn't open a new Checking account for me and i have to go to one of their branches for Verification. On XX/XX/XX/XX/2023i went to one of Chase 's branch in XXXX. Their employees were Rude and Unprofessional for having me wait for long time and for their Bad attitude. Finally they couldn't give me any explanation of why they Refused to open a Checking account for me. This is another proof that Chase Bank is a Racist and Criminal Company Discriminating as for whom are going to open an account plus they are Defrauding customers in many ways.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I am writing to file a formal complaint against Credit Acceptance regarding their unethical practices, specifically related to bullying, improper use of my credit report, and hidden fees associated with my car loan. I believe that these actions are in violation of consumer protection laws and regulations. 

I entered into a car loan agreement with Credit Acceptance on XX/XX/year>. Since then, I have experienced numerous instances of bullying and harassment from their representatives. They have resorted to aggressive and intimidating tactics, including constant phone calls, threats, and abusive language. This behavior has caused significant distress and anxiety, affecting my overall well-being. 

Additionally, I have discovered hidden fees associated with my car loan that were not disclosed to me during the loan application process. These undisclosed fees have resulted in unexpected financial burdens and have significantly impacted my ability to meet my financial obligations. 

The balance that is being shown on the credit report is very different from what I am looking at when I sign in the credit acceptance app. 
Im paying for this car two times the amount that I see the advertised price for. 

The internet price was XXXX. When Im checking after that time I realize I was tricked into being a failure.. 

Upon checking my recent credit report I see many inaccuracies and I disputed them 3-4 times with the credit bureau XXXX 

Each time they all came back verified and accurate. 
I ask for reinvestigation in another dispute and I get the same result. 
So now Im thinking no one is actually doing anything. 
Because my report has these errors. 

I been making a weekly payment and my balance never change each month on my credit report. 
I also disputed this and it came back the same while Im making these payments. 

I now regret getting this car and feel manipulated into a trap of messing up my credit worthiness. 

I have attempted to resolve these issues by contacting Credit Acceptance directly, but their response has been unsatisfactory. They have been uncooperative, dismissive of my concerns, and have failed to provide any reasonable solutions or explanations. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against Credit Acceptance. I believe their actions are not only unethical but also in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (IN)

Per the FCRA, as a federally protected consumer, unauthorized inquiry violates 15 U.S.C 1681b permissible purpose as well as the Privacy Act of XX/XX/1974.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OneMain Finance Corporation (MI)

I've asked to refinance I have asked to have another loan modification I'm having problems paying the loan I've lost income I have explained and I just get phone calls pushing me to set up payments I can not set up if I don't I get threatened with repossession so I end up setting up payments that overdraft my checking account
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and was shocked to discover numerous errors in the reporting. It's baffling to me why this company is reporting this account on my credit file. I have always maintained timely payments and have never been delinquent. Upon contacting them, I was advised to dispute the matter with you.Specifically, I noticed discrepancies related to the following account : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I called this weekXX/XX/XXXX@XXXX.. being that it had been more than two weeks since I opened the account and have not received it. I called in and followed their prompted choices and selected the only one with report card and once selected it said select three if you have not received your card. 

I called back in and connected to a representative and they said I requested my account to be closed. I never did.she said she would reinstate and send new card. My concern is that my account will be closed when I never requested that.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the FCRA, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (FL)

XXXX I reached out via email to Vance & Huffman XXXX 
XXXX The company responded via email. 
XXXX I verified via email on who I was. 
XXXX Vance and Huffman informed me via email to We have asked that XXXX XXXX and XXXX XXXX handle your accounts. XXXX XXXX has the account XXXX, and their number is XXXX. XXXX XXXX has the XXXX account, and their number is XXXX XXXXi responded via email I understand that youve asked another company to handle my account. However, Vance & Huffman ( your company ) is on my consumer report. Therefore, Im asking you for validation. 
XXXX XXXX whom is a representative for Vance & Huffman informed me that she sent it to an inaccurate address. She attached two documents which didnt verify this debt. 
XXXX I responded via email informing her that I am requesting additional information so I can verify this debt. 
XXXX XXXX responded via email- This information was already provided to you in the mail for both accounts. XXXX XXXX and XXXX XXXX did not take over the debt, they are handling the account for our office, Vance & Huffman. The account has been placed in dispute. If you have any questions, please contact the office at XXXX XXXX I followed up again with via email. 
XXXX Via emailXXXX whom is a representative from Vance & Huffman answered a few of my questions. 
XXXX I responded via email to XXXX informing her that I would like their offices Professional License # etc : ( I want to make sure that Im not being scammed! ) XXXX XXXX responded via email The office is not required to provide that information to you. 
XXXX I informed her that she was required to give me this info ( their professional business license # ) XX/XX/24 XX/XX/24 XXXX I followed up again via email to XXXX No response. 
Multiple violations!
Consumer complaint received 2022-02-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ACIMA CREDIT, LLC (CA)

A total amount of {$1100.00} XX/XX/2021 to settle accounts with Acima Credit. After accounts was paid Acima refuse to release a financial statements showing proof of payments. Recently I've requested XXXX XXXX for the XXXX accounts paid off. Acima has yet to release the documents to be filed along with XXXX to avoid any mishaps. Acima stated I needed to check my spam. I did several time nothing has been done. The actions of Acima cause credit score to stay low for the pass year by refusing to update credit file. All credit bureaus has been sent proof no actions has been taken by no one. Its unfair to me as the consumer to have to fight for my personal profile to be updated thru Acima. This is something that should have been reported at the time of payment. Acima has intentionally caused damage to credit. XXXX. XXXX # XXXX XXXX # XXXX
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

I opened a new first card with Discover only to have them restrict my ability to pay my balance. Its a prepaid SECURED card with a {$500.00} deposit and credit limit. The current balance owed to me is {$500.00} minus {$310.00} which is {$180.00}. My earned cash back bonus is {$31.00}. 

Discover revoked my personal bank account as a payment option and did not explain why. 

They blamed 'issues with the website ' but that can not be taken at face value. 

I decided to close my account because of the hassle and they are making me wait on hold inexplicably in order to do so, they dont provide an option to close the account online, they limit the number of payments you can make within an arbitrary timeframe through various means, and they tired to get me out of an additional entire " balance '' payment over the phone. 

There is no option to close the account online and the wait time in total was over XXXX minutes. 

I am requesting the CFPB monitor this corporation very closely and forward this complaint to them, Discover, in case I need to take a trip to Maryland where they are based and speak to them in person, so you can update this complaint in the future. 

These excuses Discover gave me could easily be a customer harassments technique but if Discover does not close my account with them, assess no fees, and does not live up the exact words of their phone conversation I will be paying them a special visit in court or in their face. Ive been meaning to travel to the DC area. 

XXXX. No confirmation number provided for account closure of phone call made today at XXXX XXXX. Rep says they 'dont give them ' XXXX. Representative said they would send letter out with confirmation of account closure XXXX. The representative said there are XXXX people who handle account closures so I asked why their Interactive voice system forwarded my call to him in particular when he said he would have to forward my call to another department after waiting on hold, then he revealed that he could indeed close the account himself. 

XXXX. The company said XXXX calls are recorded ' 7 days to get balance of {$180.00} is what the rep said. this is by mail. 

XXXX billing cycles XXXX days to get {$31.00} 'cashback ' by mail.
Consumer complaint received 2023-03-17
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. (CA)

My name is 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.
Consumer complaint received 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (IL)

Subject : Request for Due Date Change and Concerns Regarding Collection Process Dear [ Creditor 's Name ], I hope this letter finds you well. I am writing to inform you that I have formally requested a change in my account 's due date to the XXXX of each month. Unfortunately, the current due date has led to delays in processing my payments, causing my account to be marked as late. 

On XX/XX/XXXX, One Main contacted my workplace regarding a payment of {$17.00}. I inquired about why they did not contact my cellphone as usual, and I was informed that this was part of their collection process initiation. This has raised concerns for me, as I believe direct communication through my cellphone should be the primary method before escalating to my workplace. 

I want to assure you that I have made the XXXX payment today, totaling {$350.00}. However, I am reaching out to express my concern about the collection approach and to reiterate my request for the due date change to the XXXX of the month to avoid such situations in the future. 

I appreciate your attention to this matter and kindly request confirmation of the due date change and assurance that my account will not be subject to workplace contacts unless absolutely necessary. 

Thank you for your understanding.
Consumer complaint received 2023-09-11
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. (CA)

This is my several letters indicating that I am writing to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : The following fraudulent accounts and inquiries have been reported on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-02
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. (ND)

In accordance with the Fair Credit Reporting act 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-22
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I was fraudulently charged 4 times on XX/XX/XXXX. The charges were for {$2500.00}, {$500.00}, {$200.00}, and another {$200.00}. I have not lost my debit card or personal belongings, nobody other than me should have access to my account, so this money should never left my account, nor was it me. I made a fraud claim on XX/XX/XXXX because I had noticed the money left my savings account, I didn't receive a single notification of any form notifying me of these withdrawals. After speaking with the most difficult customer service people I could have ever imagined, I was able to make that claim. Over a week later, which I understand due to the holidays, I noticed that my temporary credit for the {$500.00}, {$200.00}, and {$200.00} charges had been reversed. Since Chase had not given me any updates of any sort on my claim, not even an email, I called the impossible customer service department again. In this call I was told that the transaction was made using my card, chip, and pin so they decided this withdrawal must have been me and there is nothing further they can do for me. At this point, I went into my branch the next day and spoke to two staff members, one being the branch manager, and the best they could do was put in a request to reopen the claim for further investigation. Through this whole process the phone customer service has been extremely demeaning and the utmost confusing ( even branch workers agreed with my complaints ), and I have had no avail to this situation other than hoping that the {$2500.00} charge doesn't get reversed as well.