davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (CT)

I purchased from XXXX online & I received contract via my email from Acima XXXX, I agreed & the merchandise came as I requested. My initial processing fee of {$45.00}, they collected {$47.00}, monthly payments XXXX they collected plus tax {$110.00} ( 3 ) times then 3 month early buy out was available & XX/XX/21 Sunday. Ive paid on time per my contract, they didnt send me all my receipts for my payments. When making final buy out they added a XXXX + for nsf. I confirmed with my bank not true. I called customer Svc @ Acima & rep XXXX refused to refund me overcharged funds, I asked for a supervisor XXXX refused too. I was appalled when supervisor refused & became very unprofessional & fabricated how I didnt pay on time which is untrue. I have direct deposit every month for the XXXX & XXXX, I confirmed with my bank before calling Acima, the supervisor didnt even treat me as a valued customer, I paid on time & did early pay out in full, its unfortunate how were in a horrible pandemic plaguing the whole World & Acima is taking advantage of their customers. My concerns may be minute, its the principle!
Consumer complaint received 2018-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX case # XXXX & Kohls/XXXX XXXX card for Kohls store. THIS case is against both of them as a ) this issue never became one and b ) XXXX ruined my credit score downward my -10 points for something not my fault. 

In either XX/XX/XXXX or XX/XX/XXXX I made a purchase with a brand new, just that day, Kohls card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from Kohls and oh my gosh! I 've not paid my bill!

I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from Kohls on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS KOHLS DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2019 @ XXXX XXXX  Chase Bank ( NMLS ID XXXX ) they had made an unapproved, withdrawal for money @ {$120.00} ; XXXX was {$870.00} from Checking account # XXXX, and gave it all to the Department of Education for a student loan but the deduction doesnt show the balance.
Consumer complaint received 2019-06-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Insikt, Inc. (CA)

I filed a complaint through the CFPB and the company responded saying I contacted them on multiple occasions stating that i was going to settle and that is false I contacted the the first time stating i will pay in full if its removed off my credit report the guy said ok and i said i will need that in writing and i never received anything fast forward to thia year XXXX to be exact I called with the same agenda this time seeking a deal if possible with the money i had readily available at the time they told me they cant remove from credit it will so the payment as settled and offered a lower deal of {$330.00} but it was due XX/XX/XXXX or XXXX I asked the agent how does this benefit me with this being 4 years old and that negative will start the TIME all over meaning it will have a negative effect for another 7 years refreshing the 4 thats already over and i also stated i will pay the full amount to have it removed she said no i put in my complaint with the CFPB and their response was i called multiple times stating i was going to settle and thats a lie because i had XXXX XXXX XXXX for over a year fixing my credit so thats a complete lie for me to call when im paying a company to handle all credit issues and second wheres the proof its not helping me because you are believing their world over mine WHERES THE PROOF IF YOU CANT PROVIDE THIS YOU NEED TO TAKE OFF MY CREDIT REPORT ASAP
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Consumer complaint received 2018-01-11
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. (MD)

I have on more than two occasions requested that Experian remove an alleged bankruptcy reported under my name in their credit files. My own composed letters to Experian has repeatedly asked for validation and verification of the alleged bankruptcy and they have corresponded that the bankruptcy has been verified from the company which provided the information to them. I am demanding the company which provided this information to Experian about an alleged bankruptcy be revealed to me, the consumer. I will in turn perform my own reconciliation with any and all companies ( Experian and other companies ) to ensure the information is factual which is being reported under my name, XXXX XXXX, XXXX. I am very frustrated with Experian and their lack of diligence. Because this incorrect information is being reported in my credit file, credit offers and other financial entitlements are not being executed.
Consumer complaint received 2018-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I have responded to the debt collector XXXX XXXX, and the major credit bureaus are informing them that the debt that is being collected is not my responsibility. The debt is a product of identity theft. The address listed on the debt is an address that I do not recognize. I've never lived at this address. Also, even if I owed the debt and I do not. The debt is outside of the right four-year time frame in which debts are collectible. During the five years of disputing this debt, it has been taken off my credit report for one year and then put back on. With the address discrepancies included.
Consumer complaint received 2019-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

this company approved me for a XXXX limit. then 3 weeks after card was mailed out to me. the company closed my account for no logical reason. also i accumulated reward points XXXXpts. in which the company will no longer let me used becuase of the closed account. i also called this bank to confirm purchases that i would be making in which they approved me to make the purchases. however once trying to purchase at store card was declined. i called this bank many times to get an understanding for these reasons.
Consumer complaint received 2024-02-20
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. (KS)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. 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 Better Business Bureau, 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 2018-01-11
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. (MO)

I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner
Consumer complaint received 2022-01-06
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. (AL)

My name is XXXX XXXX, and I am a victim of identity theft. I tried to contact the bureaus, but nothing is getting done. I would like them to have some urgency and remove these accounts immediately. They are in direct violation of the the FRCA laws. I am suffereing, and my family is suffering.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank is violating my consumer rights by holding my private funds for a transaction that happened seven ( 7 ) years ago. This restriction on my account is a violation of 15 USC 1692 as well as 15 USC 1666d as the account and the balance thereof shall be handled according to the consumers discretion. I have notified them that I have been a victim of identity fraud and identity theft and any prior accounts were a result of this fraud and theft that has taken place. Fifth Third Bank shall release ALL my funds immediately in the same nature that it was deposited to my account and shall remove any restrictions to said account. As the account belongs to the consumer pursuant to 15 USC 1692h.
Consumer complaint received 2024-02-20
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. (IN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Inquirer Name : CAP ONE XXXX  Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for credit cards and loans under my name, they even stole my mail from my house, they even made payments on some credit cards, i never applied for capital one credit card in 14 years because i don't even use my credit anymore because of this issue, i can't make it better they always apply under my name, they ruin my life because of this but for last time I'm trying to fix my credit, i have never applied for any of this, i never authorize any of this inquires even if you do investigation and everything matches still doesn't mean i did it, please remove this 6 inquiry from my credit report. 
thank you.
Consumer complaint received 2024-02-20
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)

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 3rd party. They in fact did not come from a 3rd 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 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

On Tuesday X/X/2018 I made a {$5000.00} wire transfer to Coinbase, Inc. That wire transfer was a deposit to my personal coinbase account. The coinbase website states incoming wire transfers to take 1 business day to process funds to your account, which has been the case for previous wire transfer deposits made. 

I have sent emails to coinbase support, started a support case, and called multiple times, all resulting in the absolute worst costumer service I 've ever experienced. No one " has access '' to the information they need to answer my question, it needs to be escalated. I have had zero communication with anyone from this " escalation team ''. The money is not in my bank account, and not in my coinbase account. My bank has confirmed the coinbase XXXX XXXX has received the {$5000.00} wire the same day I sent it, X/X/2018. 

I have read so many other online complaints of people going through the same nightmarish circumstances.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

I filed an insurance claim an submitted all documents to mortgage company. I called in XX/XX/XXXX to advise work completed. The representative I spoke with Advised to send in pictures and lien waiver to close the claim. I did ask a few times if an inspection was needed and advised no. 

On or around XX/XX/XXXX, I received a call asking for repair status. I advised what I was told back in XX/XX/XXXX. The representative advised an inspection is needed. I said to request one. 

I called in today asking for a supervisor to have the call reviewed and asked for explanation as to why wrong information was provided. The supervisor I spoke with, XXXX, was very short and did not want to assist. Said that the " bottom line is inspection is needed. '' I agreed and said I have no issue with that but wanted call reviewed due to misinformation. The supervisor said " yeah, I 'll have c/s pull it '' I asked for a follow up and manager name. XXXX advised I could not speak with the manager nor could a name, number or email be provided. 

I work in the same industry and in the same type of roll. I felt very unheard and treated like I knew nothing and there was no time to assist me or willingness to review the call for an explanation. 

I now have my contractor calling day for payment I ca n't provide due to this hold up. 

Thank you.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is regarding our Bank of America home Equity line of credit interest only loan. Our HELOC loan went from interest only to principle and interest which substantially increased our monthly payment. We asked Bank of America to extend our HELOC loan interest only because we could not afford the monthly payment. We noticed that Bank of America intentionally delayed responses to written requests for assistance. After several month of no cooperation with Bank of America our loan was seriously delinquent. Eventually Bank of America offered a loan modification which they call a trial period. The condition of the loan modification was that if I make XX/XX/XXXX, XX/XX/XXXX, and JXX/XX/XXXX payments on time and in full {$780.00} that our loan would be brought current. 
In XX/XX/XXXX we received a letter stating that we successfully completed the trial period and approved for an extension to the term of our equity line of credit. A few months later in a credit report we discovered that Bank of America continued to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Bank of America and asked why they continue to report false information when in fact our loan was brought current and the only way to have been given the loan modification the agreement was three on time full payments. Bank of America representative said it would be cleared up sometimes it takes 30 days to several months but it would be cleared up. 
In XX/XX/XXXX a recent credit report continues to show that Bank of America is reporting the we are making late payments. I called Bank of America on XX/XX/XXXX to complain about the false information they have been reporting. Bank of America representative did some research and according to their records only the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX  monthly payments show late payments from XX/XX/XXXX to the present every payment has been on time. Bank of America representative could not explain why these three months were reported late and yet we were given the loan modification for successfully make XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments on time ( Ref # XXXX ). I was told it would be researched and someone one get back to me. 
Bank of America intentionally delays their responses so that our credit reports score is impacted by their fraudulent reporting practices. So called working with Bank of America has been the worst experience I have had. We are doing all that we can to get away from doing any further business with Bank of America however due to their false reporting we are unable to refinance our home loan.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I checked my credit report because I was declined for a credit, I saw that there was a collection from Portfolio Recovery who supposedly bought a loan from XXXX XXXX. This is absolutely false information. All my XXXX XXXX Loans are being settled via XXXX XXXX XXXX. Portfolio Recovery calls any all hours of the day. They do NOT have a loan in my name and it needs to be removed from my credit report ASAP!!
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I had an issue with my XXXX XXXX XXXX checking account a while back my card was stolen and used and I was blamed for it leaving me owing the bank XXXX I argued but lost and eventually paid off the XXXX ( do n't have recipt ) to have my account in good standing same for my XXXX account I owed {$38.00} due to over draft fee 's but recently paid it off ( have receipt ), however when I when to open a checking account at XXXX XXXX I was unable to do so due to my Chex Systems report saying that I still owe this money both banks but they were both in fact paid in full. I was told that sometimes Chex systems fails to updated, so I am just hoping to have my reports brought up to date.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have contacted Capital One Bank several times because they have a hold on a {$440.00} payroll check that was deposited via remote deposit XX/XX/XXXX. 2021. I was told by Capital One that we ( meaning both me and Capital One on the phone together ) to verify that the check is good. So each time they have called and they can not get in contact with the office manager at my old place of employment. They also offered to contact the issuing bank to verify the check as well. When they called to verify the funds with the bank, Capital One said the wait time was too long and I would have to call back. This has been going on for over two months over a {$400.00} check. The check has cleared XXXX XXXX, which is the bank that my previous employer uses and they confirmed with me that the check was good. I went into XXXX and tried to call Capital One and tried to verify the check that way and they refused to speak with XXXX.