davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Account Systems of Omaha, LLC (NE)

I originally rented furniture from XXXX rent to own in XXXX. I became very XXXX and lost my home shortly after. The company came and picked up the furniture in XXXX XXXX. They turned it into collections in XXXX I have communicated with two prior companies that tried to collect this debt that I do not owe as they have the furniture and I was only behind 2 payments of 50 when they came for it. I was sued in XXXX by National Account Recovery Systems of Omaha by sending a letter to a house I have not lived in since XXXX. It was signed for by a woman I do not know. They sent a garnishment letter to the same address and again was signed by a woman I do not know. Needless to say I did not find out that yet again someone was attempting to collect on this debt that is not owed!! Not until they began taking money out of my paycheck which I had to go to court to find out who it even was to begin with. I talked to the court about not being notified and the 30 days had expired. Due to them taking so much out of my check without telling me has made me lose both my car and my home after I had just finally been able to get those things back. Ive emailed and called this company and tried to make arrangements without them taking the majority of my checks. This is NOT even a debt I owe and the original {$1600.00} rental agreement is now over {$3600.00}??? Because of their interest and lawyer fees? I cant make the payments I was making to any of my other creditors due to this and like I said lost a car and my home due to thier neglicience in notification. I had the same mailing address for 4 years and every other creditor was able to find me except them. They chose instead to notify a. Stranger that lives in a house I have not live in for 6 years! In nebraska you only have 30 days to vacate a judgement or ask court to. How does that work when I never knew of thier company or that they were collecting a debt that had already been disputed various times which I was able to prove I didnt owe to begin with?
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I changed my banking apps and when I filled in the address for my mortgage company I used the address on the letter head not realizing it was different than the address on the payment slip. When I made my first two payments on XX/XX/XXXX and XX/XX/XXXX they were sent to the wrong place. The problem is they cashed the checks and never put them towards my account. I have sent copies of cashed checks, had a three way call with the mortgage company my bank and myself confirming the money had been transferred, and a letter written by my bank all confirming they had received the money. The payment on XX/XX/XXXX was for XXXX and the payment on XX/XX/XXXX was for XXXX
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (CA)

On or about Tuesday, XX/XX/2021 I reported a number of fraudulent charges made on my Chime prepaid Visa card. I had previously sent an email to Chime customer support via the app advising them of these charges but nothing had been done to close the card and no claim was filed on the transactions. Additionally, when I finally filed my claim on XX/XX/2021, I received an email less than an hour later from Chime denying my claim. My research indicated that Chime routinely fails to properly protect its customers from fraudulent charges, circumventing federal law that requires them to do so. It is impossible for Chime to have actually investigated the charges in less than one hour to make sure a conclusion. In addition to this CFPB complaint, I also expect to file a lawsuit against Chime in order to redress this matter.
Consumer complaint received 2021-05-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bridgecrest Acceptance Corporation (FL)

I have disputed this debt for over a year now and sent them information showing the erroneous and inaccurate information that is being reported on the credit report and according to the FCRA a debt should report accurate information which in this case is not. According to the law it stated once a car is repossessed the creditor was supposed to send a copy of a Post-Repossession notice which was never sent and a Post sale notice which was sent XX/XX/2020 and this notice was supposed to at least be sent 10 days prior to the date of the sale.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX left a lengthy message about an acquaintance asking us to have them call back re : a debt owed. They shared enough info in a phone message that we knew it was a collections call. XXXX XXXX has never used our phone or lived with us- is not a relative. XXXX violated collection laws by sharing this information in a phone message. XXXX @ XXXX XXXX XXXX ext XXXX
Consumer complaint received 2021-12-15
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. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For the longest I have been trying to get a MAIN Transunion account, that allow me some of the same privileges that you get through XXXX. And for every attempt that I've made, the Transunion operator would push me to their XXXX XXXX or XXXX site, that seems to be used to keep you from the more important credit reporting, but still not been allowed to simply log into Transunion.com and see my credit reporting. 

Yet, Transunion is still taking out {$21.00} from my checking account for a service they won't let me have access to. The same thing happens with XXXX, in that they also refuse me access to their XXXX site. Why am I still paying for a service that I'm being denied access to?
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VT)

Equifax 's website was down and I wasn't able to temporarily lift my credit freeze. I am applying for a mortgage and it was time-sensitive so that I didn't lose my rate. I called Equifax several times and each time their digital verification system ( I had to submit a photo of my license ) was broken. So I was unable to verify my identity that way. Then, they asked me a series of questions that seemed too difficult to answer : ( XXXX ) How many current and old credit cards do you have? Why this is difficult to answer : I had a credit card that I cancelled in 2015. I have no idea what my average monthly balance on that card was and I don't have the documents to find out. ( XXXX ) When was your credit frozen and unfrozen in the past year? Why this is difficult to answer : I've been working with XXXX banks over the past XXXX months and have frozen and unfrozen my credit many times. 

I offered to email a copy of my license, but they said I had to mail it or fax it and wait 3-5 business days to get a reply. Basically, because of Equifax 's stone-age tech, I almost got a interest rate bump on my mortgage, costly me thousands.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (GA)

Zwicker and Associates sent me a letter on XX/XX/2021 about an alleged debt owed to XXXX XXXX. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt ZwickeXXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.
Consumer complaint received 2024-02-15
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. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-15
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. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

This account is totally inaccurate and has missing information. I find this report as erroneous and have violated the FCRA rules to its inaccuracies in reporting, even if I sent several complaints to Equifax and to the company there never responded to any of my letters.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (FL)

In XXXX of XXXX, I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was in XXXX when I closed my credit card account with a balance of zero. 

When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. 

Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. 

I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX of XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX. There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am having a very difficult time with Select Portfolio Servicing. We're getting back on our feet financially from COVID 19 and have been denied for a loan modification. The reason given by SPS was due to the delinquency of the account. That does not make any sense to me due to the fact SPS is the one that told me they could help me under the CARES ACT with the forbearance. Now the we're back working we just want to go back to making our monthly payments and avoid foreclosure. Our gross income of {$6100.00} can clearly afford the mortgage payment
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

XXXX separate unauthorized fraudulent debit card transactions were debited from my Chase checking account. 

transaction date : XX/XX/XXXX, XXXX XXXX {$2300.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX transaction date : XX/XX/XXXX, XXXX XXXX {$2200.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX  transaction date : XX/XX/XXXX, XXXX XXXX {$2300.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX  I alerted Chase of these unauthorized fraudulent transaction debits on XX/XX/XXXX. They created a claim for me ( # XXXX ) and provided me with a temporary credit back to my account that was equal to the total unauthorized fraudulent debits ( {$6900.00} ). 

Chase completed their research and responded to me on XX/XX/XXXX indicating " we found that the transaction ( XXXX ) was processed according to the information you provided or was authorized. As a result, we are removing {$6900.00} from your account on or after XX/XX/XXXX. 

I called the Chase customer claims department on the evening of XX/XX/XXXX and was advised I could dispute it with the merchant. 

I made an appointment with a local Chase XXXX representative today, when I was there they called the same claims dept I had called the night before. They advised him the merchant provided some kind of receipt only to Chase on XX/XX/XXXX. Based on this this receipt coming in, Chase closed my claim is is going to remove the funds from my account very soon as a result of these fraudulent transactions being honored by Chase as legitimate. 

Please help me keep my own money. I had nothing to do with these XXXX fraudulent unauthorized debits to my checking account using my debit card number. I have never heard of this XXXX company, I have never contacted them ( phone, email, social media, nothing ). I want to make sure I am able to keep my own money as I am a victim in this fraud attempt.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OneMain Finance Corporation (VA)

OneMain Financial has failed to honor my numerous opt-out requests from their USPS marketing mailing list. I have requested One Main Financial, verbally, in writing, and through XXXX  complaints, to cease contacting me in any manner, including removing my name and address from their marketing lists. Yet, I have continued to receive loan offfers from them. This has been going on for years. OneMain Financial checks my credit without my knowledge or authorization for the purpose of sending me loan offers in the mail despite being asked to cease contacting me. I will now move to file a complaint with the Indiana Attorney General 's Office. Next step will be legal action from my attorneys at XXXX.
Consumer complaint received 2024-02-15
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. (MO)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( sections 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to dispute US BKPT CT TX XXXX XXXX  XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to the county records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to
Consumer complaint received 2022-07-06
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. (PA)

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 2021-12-15
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

Santander Consumer USA has a charge off on my credit for the amount of {$21000.00}. My car was totaled and they received an insurance payoff of {$21000.00} they received a payment of XX/XX/XXXX maintenance refund of XXXX and XXXX refund XXXX and Gap payment XX/XX/XXXX {$5900.00} Insurance company payment {$13000.00} received on XX/XX/XXXX. Payments received are for a total of XXXX. The charge off amount should be XXXX. The charge off amount of {$21000.00} should be {$6700.00}. I have called the institution and have not received a response.
Consumer complaint received 2022-03-28
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)

I have previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-03-28
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. (IL)

I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.