davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX I received feedback after sending a debt validation request to Acima Credit LLC on alleged debt I Do not owe. they in returned responded with a deceptive form stating that I owe an alleged debt. 15 USC 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. They have violated my rights as a federally protected consumer. Acima has communicated with me indirectly on my credit report. This has violated my right as a consumer too privacy congress has said so pursuant to USC 15 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ACima has stated that they are not a debt collector and that these consumer laws does not apply to them Pursuant to USC 15 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such Alledged debts. This debt is not mine .. For the purpose of section 1692 ( a ) ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.Acima has also hassrased with this conduct as well as pursant to USC15 1692 ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : see attach statement they used ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also 15 U.S. Code 1692e.False or misleading representations ( A ) the character, amount, or legal status of any debt ; in the letter it states the character amount allegedly as {$1800.00} Allegedly on the credit report it states {$1800.00}
Consumer complaint received 2021-08-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WA)

JP Morgan Chase Bank has been making payments to XXXX XXXX for several years, but the business owner called me to report the payment which Chase claims was sent on XX/XX/21 was never received. On the third call to Chase Customer Claims, I determined that Chase switched from paper checks to an electronic deposit for this payment. The business owner checked her accounts and says no such payment was made, and in any case she does not accept this method of payment, so I had to write a check for {$160.00} to cover this payment. Chase Customer Claims notified me on XX/XX/21 that they consider this payment as having been made and the case settled. I subsequently took this matter up with the manager of the Chase branch where I have this account in XXXX, WA, ( whose name is XXXX ) and she assured me she would follow up and resolve this matter, promising to call me back by XX/XX/21 but this still hasn't occurred. 
I'd appreciate the CFPB 's assistance in resolving this, thank you.
Consumer complaint received 2021-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CO)

I was approved for a partial claim loan modification combo on XXXX and was told my first mortgage payment due date would be XXXX. Over the last 9 weeks I have been told over and over that the documents are still being prepared, no updates on when they will be completed and mailed. Today is XXXX and BSI is communicating that they are backed up due to so many people needing help and my first mortgage payment date was delayed from XXXX to XXXX since I do not have my written contract. I do not have anything in writing to support what they have been communicated over these last 9 weeks
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

I recently filed a complaint against XXXX  regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by LexisNexis Risk solution. I provided a letter from LexisNexis stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called XXXX  and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a LexisNexis Rep that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with XXXX  I asked if they could call and confirm with LexisNexis with me on the phone. I was told no and hung up on. It seems as if XXXX  is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my LexisNexis profile ( your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.
Consumer complaint received 2022-12-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for my first Platinum card with American Express because they were giving away XXXX bonus points if you spend XXXX in 3 months. I was approved for the American Express Platinum card on XX/XX/19. Since there have been complaints that American Express has been withholding these bonuses from customers, I checked with customer service to confirm I was eligible for the offer. I contacted customer service twice before receiving my card in the mail to verify my eligibility. Customer service informed me on both occasions that I was eligible for the sign-on bonus. They told me to call back once I activated my card and they could tell me the exact sign-on bonus. I called again after card activation. Customer service informed me that I was approved for the sign-on bonus and would receive XXXX points once I spent XXXX in 3 months. I should disregard any notices that stated that I wasn't eligible. A representative at American Express stated that the sign-on bonus promotion code was visible on my account. 

I began putting every single one of my purchases on my credit card to make sure I met the minimum spend to receive the sign-on bonus. After I reached the minimum spend, I called American Express back, and they told me I was not eligible for the bonus. I would not receive any bonus points. 

I escalated the case to the executive office on XX/XX/19 who stated they researched the matter, listened to all recordings. Even though multiple advisors told me I was eligible, I am not. They would not honor anything the multiple advisors told me, and I would not receive the XXXX points. As a consolation prize, they would give me XXXX of points instead. I also escalated this issue to the XXXX  on XX/XX/19. I received notice from American Express stating that they would not honor what they promised me.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

This debt collection has been going on for many years, at least 10, if not 11 or 12. It was a debt that was incurred by myself, and my ex wife. We did indeed incur this debt together, but the debt collectors have placed 100 % responsibility on me only. I'm not sure why I am solely responsible for this. It also keeps incurring massive interest. I do not know what to do anymore. 
I am now a retired 100 % XXXX veteran. I am hoping that this can help me.
Consumer complaint received 2021-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I have submitted three letters to Equifax over the past 4 months to investigate an unverifiable debt and remove it from my credit report. It is absurd that there is no information for original creditor nor a collection company name, nothing. Equifax is in violation of federal law. not only have they reported inaccurate, incomplete information they have ignored 3 requests of mine to remove this off my report.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have reviewed my Credit report and found several account unrecognized items from your office ARS # XXXX. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ARS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ARS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ARS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-04-03
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: LEXISNEXIS (TX)

Despite multiple attempts to resolve this matter and request a thorough investigation, the credit bureau has consistently verified the account without providing substantial evidence or conducting a comprehensive review. 

I have raised this issue with the credit bureau on numerous occasions, and each time, the response I receive is that the account has been verified with a last update as of XX/XX/2021. However, this verification lacks transparency as it fails to provide specific details or documentation proving the validity of the reported account. 

Moreover, I personally contacted representatives from XXXX XXXX XXXX who have informed me that they do not have any record of an account associated with my name or information. Therefore, it is perplexing how an account can be reported as mine without proper validation or confirmation from the creditor.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

In according with the XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 US Code 1681 section 602 states I have the right to privacy.

15 US Code 1681 section 604 ( A ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US Code 1681 ( A ) ( 2 ) ( I ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-08-31
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. (PA)

I HAVE BEEN A VICTIM OF MY PERSONAL INFORMATION BEING COMPROMISED THROUGH SEVERAL DATA BREACHES WITH XXXX, XXXX  AND OTHER CREDITORS WHICH HAVE LED TO UNAUTHORIZED ACCOUNTS BEING OPENED AND REPORTED ON MY CREDIT REPORT. PLEASE REMOVE THE INFORMATION THAT I HAVE PROVIDED IN THE FTC REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax refuses to remove incorrect personal information about me. I have been sending them letters for a year requesting they remove it. XXXX  and XXXX  had no problem removing it. There are addresses that I have NO connection with.
Consumer complaint received 2021-08-31
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. (WI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted Capital One towards the beginning of XXXX when I lost my credit card. They told me that would send out a new card and that I should receive it within 5-7 days. Two weeks later I realized the card never came and wondered what was wrong. SO I called back and they said that one was sent out and that we should've gotten it by now. I asked for a new one to be sent out and if one could be sent Next day ( and that id pay for the shipping ) or via XXXX so that tracking could be given. They said it was not possible. I made a complaint at the Post Office with my post master and they said they would look into it for me, to no avail in finding the lost letter. I called Capital One again on the XXXX to see why I had no received the 2nd card that was sent out and the rep told me that I should have it either the XXXX or the XXXX at the latest. After checking the mail yesterday my husband insisted I call Capital One again but I said lets wait. We check today and no card so I called them again. The rep said that no card was ever sent out previously but that they sent one out yesterday, the XXXX. meaning for the entire month they lied about sending out a replacement card yet expected me to make payments on time. I asked for a supervisor and she only apologized but gave no reason to why they lied and said I would have to wait possibly another week to see IF a replacement card came. I NEED HELP BECAUSE THEY KEEP LYING AND I HAVE NO OTHER WAY TO RESOLVE THIS!!!!
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I was trying to send money to someone using Venmo and discovered that my account was frozen. From some of the reasons shown for a frozen account I thought that it was because they were not sure my bank would release funds. Therefore I transferred {$500.00} to the Venmo account and after it cleared I tried to send the money again. It said it wouldn't send because the account was frozen. After chatting online I was told that I received an email around XX/XX/2021 about the account. I no longer could access an email that old if in fact I got one. They re-sent the email stating that to unfreeze the account I would need to take a selfie of me holding my driver 's license and send it to them. This sounded fishy to me and I was not comfortable doing this. I then tried to transfer the money back into my checking account but it was refused because the account was frozen. Note that Venmo had no problem accepting the transfer to the frozen account but would not transfer it back. Their help agent said that this could only be handled by the account department who you can never talk to directly but have to work out only by email. The accounts department has not released my funds and have not contacted me but when they do I'm expecting them to send the same request that for the selfie which I will not do. 

XXXX transferred {$500.00} to Venmo from bank account XXXX chatted with Venmo customer service XXXX called Venmo customer service
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.
Consumer complaint received 2022-10-08
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: CLGF Holdco 1, LLC (FL)

CFPB Write up in accordance with the Fair Credit Reporting act XXXX  Account XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BANK OF AMERICA WAS PAID AND CURRENT AS OF XX/XX/2021. I WAS CAUGHT UP ON ALL OF MY ACCOUNTS. WITH THE XXXX  AND XXXX  I WAS XXXX XXXX IN THE HOSPITAL FOR XXXX WEEKS. THE COMPANY KEPT ON SENDING ME PAPERWORK FROM THE ESTATE DEPT. LONG STORY SHORT, THEY WERE UNDER THE IMPRESSION I HAD DIED. THEY SAID THEY CALLED AND SAID SOMEBODY TOLD THEM I DIED. THAT IS NOT TRUE. SO WHAT THEY DECIDED TO DO IS RESET MY ACCOUNT TO SHOW IT'S 2 MONTHS PAST DUE AS OF XX/XX/2021. IT SHOULD BE 6 MONTHS PAST. THE ROLLING THE LATE CHARGES AND FEE 'S AND INTERST ALL OVER AGAIN. IHAVE TRIED TO CALL THEM AND THEY WILL NOT TALK TO ME. SO, IN ESSENCE, THEY ARE GONG TO CHARGE ME INTEREST, LATE CHARGES AND FEES TILL XXXX BEFORE I CAN SETTLE THIS ACCOUNT. THIS IS A MAJOR FDCPA VIOLATION.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NY)

My mortgage company sold my loan several times, this time they sold it the payments made during the process was not sent over in a timely manner causing a minimum due that every time I sent payments they were not applying to the account but holding in a separate account. These payments were deducted from my bank account and the mortgage company were not applying. Now they sent all my checks back to me which were made out in their name so I can not do anything with them and they placed my home in foreclosure and want me to pay legal fees and will not accept payments.