davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

I was never told by American Express that upon settling i would receive a 1099C that would affect my taxes. 

I looked up and it say BY LAW it is supposed to be in my mailbox no later than XX/XX/XXXX. It was in my mailbox on XX/XX/XXXX. I AM DISPUTING THIS AND WANT THIS VOID BECAUSE THEY BROKE THE LAW.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NY)

I closed on a cash out refinance loan with on XX/XX/2020 and it's now XX/XX/2020 and it doesn't seem like I'm getting my cash out funds and they haven't paid off my current mortgage with XXXX XXXX XXXX XXXX. I spoke to a representative that said you have to pay your mortgage and for you previous mortgage or you will get a late payment. I think I'm being scammed. Will I now be responsible for 2 mortgages?
Consumer complaint received 2020-02-10
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. (FL)

Good morning! I recently checked my credit and noticed two collection accounts which I did not recognize nor authorize. These accounts are fraudulent and do not pertain to me whatsoever. They are listed as XXXX XXXX and XXXX XXXX XXXX. Please help me in resolving this matter.
Consumer complaint received 2020-02-10
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 have recently disputed information on my credit report with this company due to identity theft, they are not removing items that are not mine. I provided a police report and informed them my information was compromised.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.
Consumer complaint received 2020-02-10
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. (AZ)

XXXX XXXX # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.
Consumer complaint received 2019-01-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

I WANT ALL THREE REPORTS TO SHOW A XXXX BALANCE WITH GM FINANCIAL I AM DISPUTING {$1500.00} FOR THE FOLLOWING REASON, 36 MONTHLY PAYMENTS of {$500.00} EXCEEDED MINIMUM PAYMENTS of {$450.00}. THE DIFFERENCE of {$50.00}. x 36 = {$1800.00} PAYMENTS WERE NOT APPLIED ACCURATELY.
Consumer complaint received 2021-04-16
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and continuing to try to remedy the effects. There is a fraudulent account from XXXX in the amount of {$1000.00} reporting on my credit. This is a fraudulent account.
Consumer complaint received 2020-02-10
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: ERC (AZ)

XXXX XXXX # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX  collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (MD)

Received letter from ALDOUS and Associates, P.L.L.C in XX/XX/XXXX regarding a debt for a gym membership that I did not owe with an amount on or about {$350.00}. Sent a dispute form to them in XXXX. XX/XX/XXXX, ALDOUS and Associates sent a form with my contact information ( name, old email, phone # and dob ) from the parent account that had enhanced privilege and was cancelled in XXXX, this time with a debt of {$220.00}. There was my contact info for which my father provided for the enhancement on his account that was cancelled, but no signed agreement with me as that didn't exist. His account was an autopay for $ XXXX then with enhancement, $ XXXX total. When he cancelled in XXXX, that was that. On XX/XX/XXXX, I sent a dispute letter correspondence denying the debt, requesting a copy of a signed contract between ME and the facility, requested that they do not contact me again and note to any credit bureaus that the debt is disputed. On XX/XX/XXXX, ALDOUS and Associates claimed my dispute was invalid because they claim I was sent a copy of executed agreement ( which was never sent as it doesn't exist ). They sent contact info of my father ( email, contact info address ), but again provided no contract between me and the gym in their rebuttal correspondence but threatened to report a different debt amount of {$250.00} to credit bureaus. {$350.00}, {$220.00}, {$250.00} which is it? The bottom of the letter states, " At this time, no attorney with this firm has personally reviewed the particular circumstances of your account ''. I am sending one last do not contact letter and filing this claim as I have never signed an agreement with the gym ( I have attended school out of state far away and use my school email ) and never signed a membership contract to a facility. I believe this to be fraudulent/scam attempt to collect money that isn't owed and ruin my credit, or terrible accounting records at the gym in an attempt to collect money. Guest access on a parent gym card, a gym membership he cancelled in person, doesn't convert itself into a separate new contract between me and the gym, becomes an unpaid debt to collect from me. I never signed a membership contract with this small gym. My contact info that is what parent provided as the guest to use the enhanced card doesn't make me an account holder ( not when I was a minor and not when I did not sign anything agreeing to terms as an adult ).
Consumer complaint received 2021-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA (NC)

I have made several attempts to contact LendingUSA concerning my balance that is not decreasing and i overpay each month. I was hung up on three times by this company on XX/XX/XXXX trying to obtain my payoff and historical payment history to determine what i owe. I do not know why they are denying me this information or feel the need to hang up up a customer who overpays them, but this is the response i get when i reach out to obtain my information concerning this loan.
Consumer complaint received 2020-02-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (NJ)

In XX/XX/XXXX, I opened up a car lease account with a automobile finance company, and made all 39 lease payments. The vehicle was returned in XX/XX/XXXX. I received no further communication from the leasing company. 

In or around XX/XX/XXXX, I received a notice from my credit monitoring service that my credit score dropped as a result of a charge-off account. I looked at my report and I saw that the leasing company, continued to report the lease account as opened past the payoff date of XX/XX/XXXX, and notated a 30 and 60 day late payment for XX/XX/XXXX and XX/XX/XXXX, respectively. 

When contacting the company, they claimed that a post-lease invoice of approx {$880.00} was sent out and never paid, so accordingly, they were entitled to charge off the account. 

I informed them I had never received the invoice and requested a copy, which they were unable to provide for the next few weeks. The verbally stated that two invoice were sent out, but finally, only were able to produce 1. 
I offered to pay the account in full in exchange for a removal of the charge off notation, and they refused. After I paid off the account in full ( as I always pay me debts ), not only did the creditor not remove the notation, but they added 11 additional charge off notations for each month between the date of the original charge- off ( XX/XX/XXXX ) through the date on which I paid the account in full.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

please check the following accounts that appear in my report, without any authorization XXXX XXXX XXXX Account Number : XXXX This is not mine. 
CITICARDS CBNA Account Number : XXXX This is not mine. 
CITICARDS CBNA Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-16
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: Experian Information Solutions Inc. (CA)

I was checking my credit on Experian website when it said that my XXXX account could not be accessed. I clicked and after seeing that the figures on the screen changed dramatically, I realized that I had linked my checking account or shared my data with Experian which is something I did not wish to do. 

So I tried to unlink it and was unable. 

An email from Experian would redirect me to XXXX and instructions on how to unlink, the third option after clicking on profile and settings was visit AccountSafe page. XXXX is theres no such XXXX page and no way to unlink. 

I spent time trying to figure it out and called XXXX where I waited on the phone for about half an hour. Then, waited to talk to a supervisor because the first advisor wanted to have me call the XXXX fraud department, which would have screwed up all my accounts and send me down a huge rabbit hole. 

But this is not fraud exactly but a trick to access your data under a phony pretext and then not be able to unlink Experian from your bank account. 

The XXXX supervisor XXXX also knew nothing about this gimmick and/or the lack of an XXXX page to unlink and called it credit journey. 

But nowhere on the page did it say credit journey. I just wished to unlink Experian to my personal data. 

This was accomplished through another means not the prescribed bank/Experian method. 

Its obvious the bank and Experian are in cahoots to hoodwink you into sharing your private information without any options. 

Although I was finally able to unlink, it took me an hour and I have also filed a complaint case # XXXX To what end I dont know. Its all rigged. Is it any wonder Americans are upset n I realize that the CFPB is not empowered to do anything at all about anything except take the banks money in political contributions, but this is so transparently a SCAM. Its my responsibility to go on record reporting it.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (AL)

An account with XXXX XXXX showed up on my credit report for an account with XXXX  XXXX XXXX. I sent a letter via mail on XX/XX/2021. I have made 4 attempts since and I have not received a response. They have not been able to verify, validate or send any information regarding this account and it is still showing on my credit file.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

On XX/XX/2022 I opened an online checking account with Chime XXXX XXXX XXXX XXXX XXXX  and XX/XX/2022 I authorized with a voided check an auto-draft of {$200.00} per pay period ( bi-weekly ) be deducted from my to Chime checking account of which I received a debit card. On XX/XX/2022 I received an email after I called customer service to check my balance and a transaction was declined in XXXX or XXXX. I received an email titled ACCOUNT UPDATE ( following recent review of your checking account, we regret to inform you that we have made a decision to end our relationship with you. Your checking account will be closed XX/XX/2022. I emailed Chime support to reset password and check balance of my checking account which was over {$800.00} on XX/XX/2022 that's when i was informed that there was an issue with my account. Emailed with representatives back and forth in XXXX and was promised the balance in my account would be refunded of which was not. Short of a long story I have been waiting for the balance of my closed checking account to be refunded and was told they have upto 30 days which was on XX/XX/2022 its now XX/XX/2022 and I haven't heard anything from Chime and when I call I am referred to Chime.support.com. 

See Attached /Uploaded Emails : I am unable to attached the emails between myself and the company. Please provide a fax number
Consumer complaint received 2022-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I emailed cashnetusa to remove my financial information from their database because they no longer offer LOANS in California. I have not heard from them, so I am filing a complaint. I do not feel my financial information is safe at their website. They have changed my Loan ID XXXX to Payday Loan ID XXXX this is dangerous I do not want to be a victim of identity thief like I was in 2016. This is a serious matter their website could become HACKED, and my financial information will be compromised.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid 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: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/2020, I had requested that the amount of {$6600.00} be disputed from my HSBC credit card for fraudulent activity. The company by the name of XXXX XXXX had charged my credit cards without authorization. Then on XX/XX/XXXX, I had received a letter in the mail from XXXX XXXX from HSBC fraud operations letting me know that they denied my claim. After receiving the email I called HSBC in XX/XX/2020 asking why they denied my request and if I could submit evidence. The man at HSBC instructed me to email all evidence to XXXX for further investigation. After not hearing back from HSBC, I then proceeded to call again onXX/XX/2020 in which XXXX ( ID XXXX  ) told me that the investigator,  XXXX had denied the case and would not allow it to be reopened. I asked the employee if my evidence email had been read and they told me no. HSBC had denied my fraud claim without getting any information from me or looking at any of my evidence. HSBC is refusing to reopen the case or try to make things right. I have been a victim of from by the company XXXX XXXX and am requesting that the charged they made without my consent be disputed.
Consumer complaint received 2022-01-10
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CA)

I have two store credit cards offered by comenity bank. My accounts have always been in good standing and I had both cards longer than 1 year. After the shelter in place order went into place in XXXX of XXXX, I was forced to close my small business in XXXX XXXX. I lived off of my savings for 3 months and continued to pay my bills until that income ran out. At that point, I called all credit cards and asked for options. Most of my cards negotiated and my accounts remained current. When I called to negotiate the terms for my XXXX/Wayfair  cards, representatives would not reduce late fees. The balance for not paying for a few months on both cards was too much for me to pay. I had to prioritize what little money I had in order to continue to live. A few months later, I applied for unemployment XXXX XX/XX/XXXX ). I then called to negotiate terms for both cards once again, but the representatives said they could not remove late fees resulting in minimum payments I still could not afford on my EDD fixed income ( XXXX XXXX XXXX. Now both card balances have DOUBLED and the minimum/past due balance is more than I receive in unemployment in a month. Not to mention both cards are being reported as charge offs. My credit score has dropped over XXXX points and continues to go down. I have been harassed by phone regarding these cards and honestly can not believe the predatory practices which began during the pandemic. Not only was my business forced to close, I couldn't pay for my bills, I lost my apartment, and now my credit score is ruined. I was forced to stay home because of a XXXX. Banks who most likely received some sort of bailout funding because of financial hardships have no right continuing to add interest and late fees when a person is struggling. ESPECIALLY, if the accountholder was always in good standing when there was no pandemic/shelter in place order.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

I opened a checking account with US bank in early XXXX via internet. They didn't approve it for a day or so ( unsure why ) but they finally did. At opening, I requested a ATM card. Two weeks went by and I still haven't received it. I went to a US Bank in XXXX ( where I live ) and verified my address and again requested an ATM card. Since I have yet to receive it yet again, I called US Bank and they explained what apparently happened. " Since I had an account with US Bank in XXXX and a profile with my Social Security number on it, they send the ATM card to that address in XXXXXXXX XXXX ''!!! I have moved several times since XXXXXXXX. I did NOT provide an XXXX XXXX address on my application for a new bank account with them. I don't remember ever having an account with US bank. All of this seems irrelevant since I did NOT request my ATM card to be sent to that address. To top it off, they sent the ATM card unlock and it was ready for use. Simply unbelievable!! I have been unable to access my funds without going directly to a bank.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I got the home mortgage past-due amount and tried to get the mortgage modification with the mortgage company. It took more than 6 months to make it, and now I got the letter to go to the foreclosure suddenly. So I made the request to them to give several months of grace time to sell my home to avoid the foreclosure, but they did not say to postpone the foreclosure date. The current home price is much higher than my borrowed amount for home mortgage. So I just need a graceful time to sell my home and payback all of the borrowed amount to the home mortgage company.